BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: EQUIFAX, 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:
Ive provided Equifax with all of the information requested in XX/XX/XXXXand XX/XX/XXXX and they investigated the information. I provided the identity theft documentation and the information was investigated and deleted from my credit report after reviewing the information. According to Fair Credit Act, the credit bureau is supposed to protect consumers from the information reappearing on their reports. I provided them with a copy of my credit investigation from their company, showing the information was deleted and they would not immediately take this information off of my credit report. I also had a credit report sent to me on XX/XX/2019 and this information was not on the credit report after filing a complaint about the removal of inquires for credit in which i did not apply. I am requesting that they remove this previously investigated information from my report : 1. Bankruptcy-Reference XXXX-deleted in previous investigation 2. Bankruptcy-Reference XXXX-deleted in previous investigation 3. XXXX XXXX-Not my account I am also requesting the removal of the following accounts that do not belong to me immediately. These accounts are 2-3 years old and have never appeared on any of my credit reports, thus are not my account and belong to someone with a similar name and different social security number. 

1. XXXX  XXXX XXXX-Not my account-mistaken identity 2. XXXX XXXX $ XXXX-Not my account-mistaken identity 3. XXXX XXXX- $ XXXX-Not my account-mistaken identity 4. XXXX XXXX- $ XXXX-Not my account-mistaken identity 5. XXXX XXXX-not my account-mistaken identity 6.XXXX XXXX-not my account-mistaken identity I request the immediate removal of these accounts off my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: IL
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2015-12-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my free annual credit report with Equifax and I included all their required information and documentation, using legible copies, but they have denied my request, stating my proof of identity does not match what they have on file. Then they ask for the SAME items I have already sent them. 

They want a copy of my Soc Sec card AND a copy of my current driver 's license, both of which I have already sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Their investigation did not fix an error on your report

Complaint:
This problem is with my Equifax report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX of XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to Equifax and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and Equifax is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to Equifax and they must delete the fraudulent accounts in 5 buisness days, Equifax have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into Equifax and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... Equifax have done none of the following, the accounts are listed below ... also Equifax continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Self Financial Inc.
State: PA
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 creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX  does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AES/PHEAA
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: U.S. BANCORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX and US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  XXXX XXXX and US BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX You are in Direct Violalion of The Fair Credit Reporting Act ( Capitol One ) has violated several of my rights. 16 U.S.C 1681 section 602 A. XXXX states that I have the right to privacy, 16 U.S.0 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my willing instructions.15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several law undor The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX do not owe this company called zions debt holdings I request all them to ceast and defrain. Also I do not have a contract with this company. Also this company never mailed me my right to dispute the validity of this debt. They are violating my fcra rights. I noticed this collection pop up on my XXXX  report today on XXXX XXXX. If they dont delete I will have to sue under fcra law. I already have a fcra attorney ready to sue. Delete this off my credit and do not try to bill me for a debt I do not owe

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In late XX/XX/2022, I made a request for a refund of payments made during the XXXX forbearance under the Cares act through Nelnet. 

I requested an amount under but close to {$10000.00}. 

I made the request via phone call however I never received any documentation of when my request was processed or received and I have no documentation of the final amount to be refunded to me. 

I received an email from Nelnet on XX/XX/2022. This was a general email letting me know that the request was processing. 

I called them on XX/XX/XXXX to find out if they had any updates. They could only tell me that the request looked good and it was still processing. 

It has been more than 4 months as of writing this and I have no clue whether when this processing phase will end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, Bank of America deducted {$1000.00} from checking account without any explanation. I called them and as usual no resolution that they will investigate. In the meantime they stole {$1000.00} and will only refund after I file a complaint with CFPB.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 unknown inquiries that is on my credit report that I never authorized. The only inquiries are valid is the ones that I have an open account with. Please get these inquiries removed because it is a having a severe impact on my credit. Please do not allow to credit bureaus to say that I have authorized these fraudulent inquiries without facts. For example my signature, photo ID, and any pertinent information in writing that authorized these inquiries.

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 2019-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently. 
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received notification that a hard inquiry was made on my credit report ( XXXX ) from Bank of America. I have not submitted a credit application to Bank of America. I contacted Bank of America and they stated someone submitted an application in my name to obtain a XXXX XXXX XXXX  Credit Card, Reference XXXX XXXXXXXX. I did not submit the application.

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 2018-05-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Store card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1300.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit and they have increased a balance for interest which is beyond what I am able to pay.

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 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank of America called us in mid XX/XX/2019 to inform us that our account was " past due '' ; however, we have NOT received any Statement or documents re our Auto loan so how can we pay? amount to pay? BOA / XXXX XXXX said he had re-sent the Statement several times. After NOT receiving said Statement, we called BOA to follow up and talked to a XXXX XXXX ( BOA, Florida ) and learned from her that our address on file was incorrect! We are in XXXX XXXX, Nevada XXXX while the address they had was " XXXX XXXX, CALIFORNIA XXXX ''. So how will BOA Statement ever reach us??? We have informed BOA to correct our address on file and re-send this Statement via Registered Mail or XXXX or other Courier so there will be proof of our receipt. But BOA says 'not possible to do this '. We have also asked BOA to take a photo of Statement and email to us or to send to our phone ... again, 'not possible to do this '. To date, we have NOT received the said Statement. We request CFPB to require BOA to send us a WRITTEN Statement of details of our Auto loan ie. how much is monthly payment, Due Date etc. before we give them our Bank Account and Routing No. to make the payments.

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