BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 called citizens bank to report I never opened a line of credit which is showing up on my credit report. The representative opened a dispute and recommend I open up a dispute on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX and XX/XX/2020, Barclays Bank of Delaware reported me 60 days past due on my credit card account. I don't frequently use this card, and never received a statement. Due to the COVID-19 pandemic, I was staying at my house in North Carolina, but I had my neighbor checking my mail multiple times per week. No printed notices were received. Furthermore, I received no phone calls, emails or text messages from the bank notifying me of my past due status. The amount was for only {$75.00} and has caused me material financial harm by lowering my credit score almost 100 points. I brought the account current, and I keep getting the runaround from Barclays on how to fix this problem. I am asking that past due entries be deleted, and my account reported as " current '' for the months it was reported as past due. Not only did I not receive statements, I also believe the bank did not make reasonable efforts to contact me via phone call, email or text message especially in light of the exigent circumstances related to the ongoing pandemic.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an 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 2017-12-15
Company: Bread Financial Holdings, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX, I requested my account closed, due to overwhelming debt. I explain my current situation, and explained I will not be able to pay until the spring of XX/XX/XXXX.  I was informed I could not enter into a payment plan, due to me only being between 30 and 60 days late on my payments. I also instructed the representative I hereby wished calls to no longer made to my number, and all future responses be conducted by postal mail. On or about XX/XX/XXXX, I again asked for the account to be closed, and I again stated my financial situation, and requested the phone calls halt, and for all communications to be conducted via postal mail. Also, the represenative stated I could sell items i purchased on XXXX. I found that as a personal insult. On or about XX/XX/XXXX, I  received 10 phone calls from XXXX. After my wife 's phone was contacted, I contacted the number back, and spoke with XXXX, who explained to me my account was still open, as well as there were no notations in my account. I requested a supervisor, and was informed it would be a minimum of a 15 minute hold. I requested for a supervisor to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA IS IN VIOLATION OF LAW. USAA APPLIED ( 0 ) zero NO TEMPORARY USAA CREDITS TO MAKE  PERMANET. See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIN DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00} CLAIMING TEMPORARY CREDITS MADE PERMANET. ( I have complained for XXXX XXXX years NO CREDITS WERE PROVIDED. ) See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND. 
USAA STILL HAS NOT PROVIDED THESE PERMANET CREDITS. Per statutes Fraud BY LAW MUST BE RESOVED IN ( 2 ) Two Billing Periods. THE LAW IS VERY CLEAR. USAA IS IN VIOLATION OF FAIR CREDIT ACT LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

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 2020-09-14
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have documents from the defendant. Document number one. Document number one has a listing of the payments that are listed on the balance sheet. The total debt is XXXX . Document number 2 has replacement charges dad were done to the apartment after I had moved out I am not responsible for all the repairs that happened to the apartment after I left I was not responsible for all these repairs that they are charging with me with. To continue with cleaning charges on document number 2 or falls. Document number 3 discharge is indicate that I did not issue a 30 day move order and their charging me because they said I just moved out. That's incorrect document number 4 states that XXXX XXXX XXXX has a notice of intent to vacate. Document number 5 is the early termination of lease a contract addendum. The following other documents that I have added to this case is posted and will be sent to collection services on devadas  who is representing XXXX XXXX. I'm going to process a small claims issue on these documents that collection services of Nevada has issued to me. After I win the small claims court. I will counter sue XXXX XXXX for {$50000.00} in damages. Thank you and goodbye

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have not been able to access Trans Union. It would not take my user name, SS #, or password. I have been informed by XXXX XXXX that there was a security breach. As you all know that companies that do security breaches do not inform victims of such abuse. 

I also disputed a debt and so far nothing has been done.

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 2023-10-07
Company: Chime Financial Inc
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reports were all denied. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: DC
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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 explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 contacted Equifax to remove these hard inquires from my credit file and Equifax refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to Equifax as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: AL
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 recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XX/XX/XXXX I was contacted by a person calling from phone number XXXX. The person asked me if I was XXXX XXXX. I responded yes. The person stated that there was complaint filed against me and she had a sealed envelope. She stated to open the envelope I would need to call the same number back and provide the next person with ref. # XXXX. I called and spoke with a lady named XXXX and provided her the ref. #. She stated a judgement was going to be entered against me for a debt by her company XXXX XXXX and XXXX unless I was able to pay. She then gave me my birthdate and social security number. She stated the amount of {$690.00}. If I was unable to pay this amount they would pursue legal action which could results in increasing the amount, wage garnishment, jail time, and also property forfeiture. I asked where this debt came from she stated from XXXX in XXXX XXXX. I informed her I have never had a XXXX account and also have never been informed of a collection for them. She gave me addresses I have never lived and I told her I have never lived there. I informed her that I was not going to PT this until I received something in writing. She stated they do not provide anything after the formal notifications have been made only after a payment is made on the account. I disengaged the call after telling her I would need to do some research first. I checked my credit reports and there are no accounts listed for XXXX or any collections. I contacted XXXX who stated I have never had an account with them. I checked the website andersonreedporter.com and there is little to no information about this company just a phone #. I believe this is a complete scam but they did have my personal information. I did not give them or verify that it was correct.

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: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2023-04-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 XXXX XXXX Loan Officer Flagstar Bank Consumer Complaint Division ( if you have no specific contact ) Regarding account number : XXXX Dear XXXX, On XX/XX/2020, I received an initial disclosure and loan estimate to refinance a mortgage loan. As the first estimate, it was stated that the loan would close within 45 days upon the submission of the required documentation on my part. The documentation was submitted within the requested timeframe. 

Unfortunately you have not being able to fulfill this loan within the initial disclosure time. The disclosure time has been extended four times with the last extension loan estimate being closed on XX/XX/2020 and additional loan fees of almost {$2000.00}. This is not acceptable. Because this is still ongoing and the current interest rates are lower, the loan would be less if it reflected todays interest rate. We have also had to postpone other business obligations that have accrued even more costs for us. We are extremely disappointed that this is taken almost over six months to close this transaction. We request a lower loan cost that reflects todays much lower interest rates and final closure of this process for the loan by XX/XX/2020. 

We look forward to your reply and a resolution. I will wait until ( XX/XX/2020 ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address in my signature or by phone at XXXX. 


Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 explanation