BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
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: Was not notified of investigation status or results

Complaint:
To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has no written instructions to furnish a report on my behalf and is actively committing identify theft

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've asked for this account to be validated several times this year by providing the original signed contract. In my most recent complaint filed with the BBB on XXXX, the company responded with a copy of an electric bill that has a name & address that doesn't match mine, which is not proper validation that this is my account. The original creditor ( XXXX XXXX XXXX # XXXX ) accuses me of owing {$960.00} but Transworld System INC sent me a bill saying I owe {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I conducted a transaction using Wells Fargo that used XXXX to pay for XXXX XXXX tickets with an individual I met on XXXX. We discussed over the phone and text messages that the terms for 4 XXXX XXXX tickets at XXXX stadium would be for {$2200.00}. He requested I use XXXX since it 's bank to bank and the electronic transfer of tickets would be made immediately. The individual mentioned that he was unable to receive the transfer, so he wanted to meet in person. After several attempts to try to meet, the individual said they cancelled the transaction, to give it a couple of days to refund, and gave the tickets to someone else. I knew immediately something was fishy so I immediately filed an online fraud claim with Wells Fargo. On XX/XX/XXXX, I followed up with Wells Fargo online fraud. Since I used XXXX, Wells Fargo claims no consumer protection and would not provide me with any information of the individual 's bank or real name after saying that the service is only for friends and family, not strangers. Absurd since that information should be readily available if they 're known to me! They said this would require a subpoena via legal avenues, so I filed a police report with the text messages with the scammer. I just received the copy of the police report today on XX/XX/XXXX Shocked that Wells Fargo and XXXX would allow this!

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 2023-08-10
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2021-12-16
Company: United PanAm Financial Corp.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TN
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 have been a victim of identity theft. There are accounts with XXXX, XXXX, and Experian opened on my account that arent mine.

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 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
See case number XXXX. This issue has never been resolved or addressed by BofA. I have submitted the complaint twice and still no resolution. XXXX XXXX called and left a voice mail. I called her several times because she never returned my calls, which is why I submitted a second report. She finally called and said she had been out and would get back to me. I 'm still waiting. The complaint shows open. This has been going on since XX/XX/XXXX. I want a satisfactory resolution and I want a phone call from someone telling me what you can do, not what you cant do. I will keep writing until this is resolved to my satisfaction.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-23
Company: EQUIFAX, 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:
XX/XX/XXXX, i CALL ABOUT A FRAUDULENT ACCOUNT FROM XXXX XXXX. AND I'M EVEN TRIED TO CALLED XXXX XXXX ABOUT THE SITUATION AS IF XXXX AMERICANS DOESNT PAY THERE BILLS.YOU CAN EASILY LOOK AT MY CREDIT REPORT WHICH HAS OVER 50 ACCOUNTS, SOME PAYMENTS IS OVER {$2000.00} AND SOME PAYMENTS ARE LESS BUT I PAY AS HIGH AS {$20000.00}, BUT I'M NOT GON NA PAY A {$25.00} BILL, YOU CANT BE SERIOUS AND THIS LADY THAT WORKS FOR XXXX XXXX HAS DONE A FULL INVESTIGATION AND SHE STILL WONT TAKE IT OFF. BUT THE MAIN COMPANY IS EQUIFAX, BECAUSE IT IS A TOTAL OF 10 OR MORE ACCOUNTS, WHICH THE BILLS ARE {$25.00} BUT ONCE AGAIN IM PAYING OVER {$20000.00} IN BILLS MONTHLY. IT MAKES ABSOLUTELY NO SENSE.I HAVE 12 PAGES OF DOCUMENTS AND AFFIDAVITS SIGN BY NOTARIES WITH A WITNESS AND EQUIFAXREFUSE TO DISPUTE. THEY FROZEN MY CREDIT REPORT AND THEY TOLD ME THAT I TOLD THEM. SO I CALL XX/XX/XXXX AND THEY SAID OH YOU HAVE A FRAUD ALERT WHICH I DIDNT DO ALSO.. I AM REQUESTING THAT EQUIFAX TO BLOCK THE ITEMS THAT I REQUST TO BE BLOCK UNDER THE FCRA SECTION 605B. I WILL ATTACHED ALL THE DOCUMENTS TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not recieved a validation letter within 5 days of my debt being sold which is required by Florida law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To whom it may concern, I am writing you today as an aggrieved man. I am not sure this is discrimination, but it sure feels like it. I XXXX XXXX XXXX have attempted to open a checking account online with XXXX BANK to no avail. I am consistently told via a message my application can not be approved. I get no explanation, nor do I receive any correspondence as to why. There was a fraudulent account opened in my name back in 2013. However, after I disputed, filed a police report and this account was investigated. I was found not liable for any balances accrued. This is the only reason I can think of as to why XXXX BANK is consistently not approving my applications for a checking and savings 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 2022-08-06
Company: DISCOVER BANK
State: MD
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:
On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 

12 CFR 1002.6 - Rules concerning evaluation of applications.

CFR 1002.6 Rules concerning evaluation of applications.

( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I received a letter that informed me that my student loans were forgiven and that I was NOT to make another payment towards the loans. 
" The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). '' I followed the instructions and did not make further payments to Aspire Servicing Center. Prior to the announcement about student loan forgiveness for these schools that misused and abused students, I contacted them to provide verification and then to validate that this was even my loan that I had been paying on for years. They did not respond, nor did they provide me any proof of how this loan was even associated with me. 

Years prior to this, I had been paying this loan because I was told that if I didn't, they would mess up my credit. I felt I had no choice but to pay it. I found out that they violated my rights and when I began to question them, they never responded. I stopped making the payments for this reason as well. There was no recourse for the non-payments but then in XXXX XXXX I started getting letters saying that they put my loan with them in deferment. I never asked for this, never signed anything, never even spoke to them. A forgiveness was filed and granted for my student loans, yet they are still trying to collect this debt. 

In XXXX of XXXX, I get a notice for payment, and I get an alert that they had reported this account as negative to my credit that dropped my credit score. They have violated my rights for the last time. I am filing this complaint because they are abusing the system and never has shown proof of the debt. The debt belonged to XXXX XXXX as shown above from the email that I received in XXXX of XXXX, clearly a school that misused federal funding and mislead students. Please help me by deleting this debt and removing it from my credit report for violation repeatedly of my consumer rights. 


Thanks, 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 explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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