BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Forest Recovery Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I, XXXX XXXX, am disputing an account that was added to my credit report. under the name of ; FOREST RECOVERY SERVICES. Account Number XXXX DATE opened XX/XX/XXXX. I am unfairly being penalized for a service I received in an emergency room, at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. My insurance covered all my service. My balance when I was discharge at the hospital was {$0.00}. I am a XXXX low-income woman who is insured by NY XXXX and XXXX. I became aware of this account because I received an alert from my credit monitor. I immediately contacted the hospital and was told my balance was {$0.00}. I strongly believe this is an injustice towards me. I have the patient account statement documents to prove my service was covered by my insurance. At no time the doctor informed me I will be charged additionally. I had job offers and opportunities refused because of this negligence. The outcome of this wrongdoing has caused me emotional distress. Please help me seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/ at XXXX and I called them again on XX/XX/ at XXXX and they told me theyre still working on it, so I called again on XX/XX/ so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 received a text from they said Equifax XXXX XXXX XXXX saying my credit score had dropped 46 points on XX/XX/XXXX and to click a link today to confirm or dispute.. Called Equifax and they said did not come from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
THERE ARE TWO TRANSACTION THAT WAS MADE WITHOUT MY AUTHORIZATION .... I WANTED SERVICE BUT I DENIED THE SERVICE DUE TO RACIAL TENSION, YET I WAS STILL CHARGED. i EXPLAIN THIS TO THE BANK

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 2020-07-15
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:
In honor of Aquifax. On XX/XX/2020 I received a reply to a complaint I filed. Sorry to hear from you such an answer. I'm not your servant. And not preparing to be, .please as you have spread about me. fraud. So remove it yourself. From all credit companies. Like XXXX. And XXXX XXXX. I complained about use without my permission and in my presence. Against XXXX XXXX XXXX Florida. And you asked me to come up with permits from the police. Something that took me. 4-5 months. Instead of a total. Remove the hard note that XXXX put on me. You have reduced me to your messenger and servant. But sorry you are public servants. And your function. Serve the public. And not the other way around. So take down all the scams you spread about me. You are abusing my age ( XXXX XXXX XXXX ). And that I do not know a language. So request you will teach your employees. How they are supposed to serve the public. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TN
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 canceling credit monitoring or identify theft protection service

Complaint:
I cancelled the Equifax monitoring service in XXXX of 2022, yet I am still being billed every month for the {$19.00} fee. I have called and was told the issue was handled and I would get a refund, has not happened. I have sent emails with the proof of cancellation. I am owed 6 months of fees. I want the service stopped and I want my fees returned. I have tried to correct info to no avail and now they are charging me for a service that is useless. I have exhausted every option to solve this with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to bring to your attention certain inquiries listed on my credit report and to request their removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). After a careful review of my credit history, I have identified inquiries that I believe are no longer relevant or valid, and their presence on my credit report is potentially detrimental to my creditworthiness. 

The FCRA, a federal law designed to promote fairness, accuracy, and privacy in the reporting of consumer information, grants consumers the right to dispute incomplete or inaccurate information on their credit reports. As outlined in Section 611 of the FCRA, I am exercising my right to request an investigation into the inquiries that are attached I believe these inquiries no longer reflect my current credit-seeking activity or financial interactions. It is crucial for my creditworthiness and financial well-being that my credit report accurately represents my credit history. Therefore, I kindly request that TransUnion thoroughly investigates these inquiries and, if they are found to be invalid or unauthorized, remove them from my credit report. 

Enclosed with this letter, please find supporting documentation, such as cancellation letters or account closure confirmations, to substantiate my claim that these inquiries are no longer relevant. I trust that these documents will assist in your investigation and facilitate a prompt resolution to this matter. 

In accordance with the FCRA, I kindly request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I would appreciate it if you could notify any potential creditors who have accessed my report within the past six months of the correction made to ensure the accuracy of their records. 

I firmly believe in the importance of accurate credit reporting, and I trust that TransUnion will handle this request with the utmost professionalism and diligence. I look forward to a swift resolution and the restoration of my credit report 's integrity. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Navient Solutions, LLC.
State: AZ
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:
Started repayment XX/XX/2018. 

XXXX-18 ACH Withdrawl Payment of {$170.00} made. 

XXXX-18 credit via Direct Deposit to my checking account XXXX for {$170.00} Complaint is Navient is returning my monthly payment for no reason and with no explanation. They are not notifying me why they refunded a valid payment without my knowledge. 

Violating my FCRA rights and banking law by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Account information incorrect

Complaint:
XXXX XXXX STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Navient Solutions, LLC.
State: NC
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:
XXXX XXXX/Department Of education and Navient still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019 and reported as paid if full on my XXXX, XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX,  Navient and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. Navient and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from Navient and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Genesis FS Card Services, Inc.
State: VA
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, INDIGO-XXXX  BANK XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2021-09-20
Company: Markoff Law LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Agreed on payment plan XXXX frist payment due XXXX amount XXXX. 
Remainder of XXXX in monthly payments of XXXX. In XXXX of XXXX received a copy of request and writ for garnishment for income tax. For XXXX. I called on XX/XX/XXXX they could not find no record of payments at first after some time on tbe phone it was found and they apologized for the mistake. At that time I was tild I only owed XXXX. And was tild I was ahead in payments. I do not work regularly and have sent larger payments when I could. Received a nother letter in XXXX. Dated XX/XX/XXXX motion to set aside orders for installment payments. I happen to call them on that date to find out balance before knowing this was in my mail box. And was told I owed XXXX. They again could not find records off .my XXXX payment was told i only had payed a little over XXXX. I had to go to the bank and send cooy of the chk. On XXXX received a letter from court i have to reply in 14 days and again the amount is XXXX. I have called the debt attorney twice have not been called back. I have called and talk to customer service 3times and email cooy of payment. This has been awful stressful and has made me sick. According to my records Im ahead in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: RENASANT CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Renasant bank closed my account without cause or contractual authority. I am in receipt of your erroneous letter claiming you are utilizing contractual authority to close my account. We did not sign or agree to the text you quoted in the letter. Your misconduct to bluntly send me a template of a letter to close a CFPB complaint is unethical and unprofessional. 

All calls to myself or my family will be recorded without notice pursuant to GA wiretap laws ( One party consent state ). 

I formally reject your previous letter as reasoning for closing this complaint and condemn you for accusing me of having such a fake agreement with your bank.

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 2023-03-29
Company: SYNCHRONY FINANCIAL
State: IL
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:
XXXX XXXX XX/XX/21 The inquiries on my credit report XXXX are XXXX, XXXX, XXXX XXXX did not unauthorized 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these Accounts and I believe they are 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ive reprted multple times on my report that this account was open in fraud the company is eqafax wich the bank is XXXX XXXX XXXX its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXX buisness has removed it aswell XXXXXXXX XXXX XXXX XXXX .but eqafax and XXXX  XXXX XXXX wont adhere to my demands wiyh the proof of afidavid im demanding XXXX XXXX XXXX and eqifax to remaoe this fruad account off of my report the account is XXXX open on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several letters asking the company and the credit reporting agencies to delete the inquires but they have not done so yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation