BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several times endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my 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 2020-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
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:
There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIZENS ONE AUTO F, on XX/XX/2020, XXXX  XXXX  and XXXX XXXX XX/XX/XXXXS add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On a regular bases they will hold me payroll check to allow charges to come through over drafting my account just to collect really large overdraft fees, as of today my account overdrawn XXXX, when a payroll deposit would have been made as it it always post on a Wednesday, others at my place of employment received their pay today, I think it's unfair and have have been banking with Regions for 20 years and have paid some thousands of dollars in overdraft fees...

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 monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax and other major credit reporting agencies consistently list these inquiries. However, I request the removal of inquiries that are not associated with my accounts and are not mine. It is important to highlight the laws safeguarding Americans from debt collectors and the sharing of personal information. Some relevant laws from XXXX XXXX include : Fair Debt Collection Practices Act ( FDCPA ) : This federal law outlines rules that debt collectors must follow, ensuring fair treatment of consumers and preventing abusive practices in the debt collection process. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer credit information is collected, reported, and used. It provides consumers the right to dispute inaccurate information and have errors corrected. 

Gramm-Leach-Bliley Act ( GLBA ) : This law imposes restrictions on how financial institutions handle consumers ' non-public personal information and requires them to establish privacy policies and practices. 

Regarding the reported entries, the following are suggestions for removal due to their inaccurate or non-associated nature : XXXX XXXX : Reported on XX/XX/2022, but not associated with my accounts. 
XXXX XXXX XXXX : Reported on XX/XX/2022, not mine and lacks account attachment. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( XX/XX/2022 ), XXXX XXXX ( XX/XX/2022 ), XXXX, XXXX XXXX XXXX XX/XX/2022 ) : These entries are not accurate or lack account attachment. 
It is crucial to ensure the accuracy of credit reports and protect against unauthorized inquiries that may negatively impact one 's creditworthiness. By understanding and exercising our rights under these laws, we can maintain the integrity of our credit information and financial well-being. 


XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX XXXX NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XX/XX/XXXX  NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX/XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XXXX XX/XX/2022 NEGATIVE Suggested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would like to dispute the accuracy of my credit report, which shows late payments on my accounts. I have always paid on time and have never been late with any payments, and it is therefore absurd that my credit report would indicate otherwise. Please update my credit report to reflect the correct payment history on my accounts.

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 2019-03-28
Company: Marlette Funding, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
ON XX/XX/XXXX XXXX XXXX WAS SENT CERTIFIED MAIL RETURN RECEIPT WHICH THEY RECEIVED AND SIGNED FOR, THE COMMUNIQUE CONTAINED INFORMATION THAT A XXXX SINGLE PAYMENT WAS ENROUTE TO PAY A PERSONAL LOAN AND A DIRECTIVE ON HOW TO APPLY THE XXXX PAYMENT ' .THE DIRECTIVE BY BORROWER WANTED XXXX PRE PAYMENT APPLIED BY MONTHS TAKEN OUT OF THE XXXX .THE ACCOUNT WOULD THEN BE PAID THRU XX/XX/2020.4 CALLS HAVE BEEN MADE TO 3 DIFFERENT REPRESEANTIVES IN THE LAST WEEK ON RECORDED LINE BY ME OR MY SPOUSE WHO IS AUTHORIZED O SPEAK ON MY ACCOUNT, THE REPS NAMES WERE XXXX, XXXX AND XXXX.EVEN THOUGH XXXX XXXX ACKNWLEDGED THEY WOULD BE APPLYING PER BORROWER DIRECTIVE BAILEY STATED FOR THERE OWN INTERNAL RECORDS BORROWER WILL BE AND IS NOW PAID THRU ACCOUNT XX/XX/2020. NO WHERE WILL BORROWER HAVE PROOF OR ACCOUNT REFLECT DIRECTIVE ' THE WEBSITE INFORMATION WILL UPDATE MONTHLY TO NEXT DO DATE, BORROWER FEELS THIS IS WRONG AND SHOULD BE PROVIDED WRITTEN ASSURANCES AND ACCURATE ACCOUNT INFORMATION ONLINE. IN THE EVENT SOMETHING WERE TO HAPPEN TO BORROWER, TO THE ARBITRARY, LEGAL EYE, WHICH ALL THAT MATTERS, XXXX XXXX WANTS ME TO RELY ON THEIR ASSURANCES ACCOUNT IS PAID THRUXX/XX/2020 REGARDLESS OF WHAT THE STATEMENTS OR WEBSITE READS, UNDERSTANDABLY NOT COMFORTABLE WITH THAT FOR THE OVBVIOUS REASONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I represent XXXX XXXX, who is currently in litigation with the US treasury. We have sent multiple cease and desist letters and told Nelnet to stop contacting XXXX while we prepare a complaint against them for a host of consumer protection violations. They began calling again on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am contacting you regards IC Systems who has been sending me statements under XXXX and who has falsely placed an XXXX collections on my reports that I have never owed in my life. I have been with XXXX XXXX since XXXX and they are stating that this account was opened XXXX of XXXX. I do not own nor have I opened any new cellular accounts.

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 2019-08-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
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:
On XX/XX/2019 I received my monthly statement indicating a bankruptcy message on my account. However, I have never filed for bankruptcy. I contacted the loan servicer via phone and explained that I did not file bankruptcy and that the information on file is incorrect. They responded by telling me that name of the person who did file along with the bankruptcy case number. I stated that I did not know the individual and they do not live at my address. I contacted the loan servicer again on XX/XX/2019 and explained the situation again to have the bankruptcy removed from my account so that I could make my mortgage payment. They responded by telling me that the individual who handles the mortgage resolution had been out of the office for a while and that they were behind on processing information. Yet again, I contacted the loan servicer on XX/XX/2019 and this time was that although the person that filed the bankruptcy had a different name, that the last four digits of their SSN was the same as mine. I was then transferred to the mortgage escalation line to leave a message. As of XX/XX/2019 I  have not received a response from loan servicer and am now receiving adverse reporting on credit reports. My credit reports now indicate that my mortgage is now CLOSED with a balance of 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 2019-08-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a debt validation letter in XX/XX/2019. I received a response in XX/XX/2019. The amount reflecting was updated from $ 200+ and reduced to {$150.00}. I in turn sent a letter requesting the debt be removed from my credit report in XXXX and I havent received a response. I did speak with someone at Wells Fargo and I was told the debt had surpassed the statute of limitations and no longer collectible. I was informed that I should receive a 1099-C for the debt. I have not received this document yet. We are in the process of trying to purchase a home and this debt is hindering me from repairing my credit. If I cant pay the debt, I need it to reflect closed and paid or settle or what may have you.

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 2019-10-05
Company: DISCOVER BANK
State: FL
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:
DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. 

My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.

They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?

This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.

Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!

This is extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: GA
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 received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-04-12
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Specialized Loan Servicing loan # XXXX I pay the Homeowners Insurance ( XXXX XXXX  ) myself. I have supplied proof of policy and payment. The mortgage servicer refuses to refund amount impounded to escrow for insurance. 

All the Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a joint account with my girlfriend and got money tooken away my account due to her being sued over a debt

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 2021-07-14
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid19 I was unable to keep up with my mortgage payments. I went online and requested assistance in XX/XX/XXXX. I never heard back and in XX/XX/XXXX I called. I spoke with a guy by the name of XXXX XXXX and was advised that he would wait until I hear back from them about the repayment plan.. I was heading into another month of late if I waited so I asked what amount could I pay until then to avoid foreclosure and he advised me XXXX I paid that amount with him over the phone which a few months of payments. I still had not heard back from the company so I called them and was advised on XX/XX/XXXX by XXXX XXXX that my account was in Foreclosure status and should not be! 
he called and emailed a few people and advised me to wait to hear back.. I then called back a few days later and got another rep that offered a repayment plan of $ XXXX month.. I agreed and paid a early.. I continued the payment repayment plan and they never updated my credit report to reflect the plan.. It continued to reflect past due months.. I then emailed XXXX XXXX my POC and still have not received a email back yet. I received an alert on my account reflecting it may be marked as foreclosed and I have no idea what's happening. Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: DISCOVER BANK
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 worked with XXXX XXXX Mortgage Consultant ( NMLS # XXXX ), XXXX XXXX  XXXX  with XXXX XXXX XXXX. I was advised and only authorized my credit to be pulled XXXX. I received pre approval letters and after my offer was accepted no contact from the lender or the management was made. My RELATOR had to continually reach out in order to receive communication on what was going on for 2 weeks and he was able to reach management who advised I was never pre approved. My credit was pulled an additional 4-5 times without my consent or knowledge I have attempted to resolve with the manager and lender XXXX XXXX XXXX and have received no response to get this additional unauthorized pulls removed from my credit as it is impacting it " hard inquiry 's ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed my vehicle through American Honda Finance. I am now in the process of moving from Hawaii to the US Mainland ( California ). I need to ship my car to make this move. The state of Hawaii requires that I get authorization from Honda Finance ( as my lienholder ) to ship the vehicle. After waiting for hours on hold with their customer support, they told me I would need to submit insurance documentation ( confirming the vehicle would be insured in transit ) to a specific email address. I provided that documentation. After a week with no response, I called back and waited on hold for several hours. That representative said I need to email a different email address. They are not responding to either email address and I've been unable to get authorization to ship my car. I now may have to sell my car just to be able to move and risk not being able to even get a good price for it after all the time they've wasted. I feel that they have a responsibility as my lender to provide this to me. I've given them everything they asked for and tried numerous times over many different channels to follow up. I don't think they are acting in good faith to service my loan appropriately and feel that I was duped into accepting financing that wouldn't allow me to move with my car.

Company response to consumer: Closed with explanation