BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
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 have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy # XXXX, has violated my rights. 
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. 

I have asked Experian and XXXX for proof that this Public Record belongs on my file, with absolutely no response! 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that experian and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the letters. 
I would really aprerciate the CFPB 's help with this matter

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

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 2017-12-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: CITIBANK, N.A.
State: MI
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 contacted all 3 credit bureaus as well as XXXX MACYS 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2019-02-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive got 3 collections Im paying on. XXXX XXXX XXXX which I have 2 correctly reported my balance. One Main Financial never does. I owe around {$6000.00} and the have me over {$7000.00}. I told them about it and they tell me its all done by computer. I dont buy it. Also Im making payments on XXXX XXXX for a truck for {$300.00} a month and its not even on my credit report. I surrender the vechiele and thy said I owed {$4500.00} I have paid {$900.00} on it all ready and being not reported am I even supposed to be paying on this? Thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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:
XX/XX/XXXX I received an alert for a hard inquiry from XXXXXXXX XXXX that was not authorized. I advised XXXXXXXX XXXX that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have Equifax several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting incorrectly the XXXX partial account number XXXX as ( 60 ) plus days past due. ( Please see page 18 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: UT
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:
They repeatedly keep the same INACCURATE DISPUTE COMMENTS on my student loan. I NEVER DISPUTED IT OTHER THAN TO ASK THOSE DUMMIES TO PUT THAT IT'S IN FOREBEARANCE UNTIL 2026!!!!!!!!!!!!! Yet I got a notice from my credit monitoring company that they're STILL INSISTING I DISPUTED AN ACCOUNT THAT'S ACCURATE, WHEN IT JUST NEEDED TO STATE IT WAS IN FOREBEARANCE!!!! I'm sick of this problem and it's time to take more serious action to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX. XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX  laws.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX  has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family Experian XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from 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 2017-10-01
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX regarding a debt collection. Sent XXXX XXXX XXXX XXXX a letter on XXXX/XXXX/XXXX requesting their Texas Surety Bond information and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/XXXX with account statements from the original creditor but failed to provide their Texas Surety Bond per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202. 

Regardless of the validation requirement not being met, XXXX XXXX XXXX has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.

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 2017-10-01
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I am a XXXX combat veteran and on XXXX XXXX, XXXX I purchased two Western Union money orders At the XXXX XXXX in XXXX, GA. to pay my rent. One was for & XXXX and one was for {$550.00}. I mailed them that day at the US Post Office in XXXX, GA. My landlord telephoned me two weeks later to tell me he never received the letter with the money orders. I called the Western Union customer service number to immediately stop payment but the customer service number is strictly an automated system with no recourse to speak to a live person about dealing with the immediate situation. I was desperate to stop payment on the money orders as they were either lost or stolen. The automated instructions were to filed a Money Order Customer Request which takes six to eight weeks. I sought the help of a consumer help advocate in XXXX who dug up a Western Union fraud phone number But when I called them the person said there was nothing they could do to stop payment and I would have to fill out the form and wait up to eight weeks for payment to be stopped on the lost or stolen money orders. only then would a stop payment be issued and only if the money orders had not been cashed. If someone had stolen them and cashed them then I wold have to file a report with the local police to try and get my money back. I tried to explain that I am a XXXX XXXX from combat XXXX and live on a small medical stipend and that I could lose my rental house if I did not pay soon. The person said sorry and hung up on me. On XXXX XXXX I faxed and sent a " Money Order Customer Request '' for to Western Union. This was the worst case of " no '' customer service I have evr experience. There was absolutely no compassion or desire to help and most shockingly, no concern about the fraud of the stolen or lost money order. They already had my money and now it was my problem. How can this company operate in the US without some accountability to the public? 
Thanks for any help you can give. I am frustrated that there is nothing else I can do from my side. I may lose my place to live if I can not resoleve this quckly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I consolidated 3 student loans that were being serviced by Nelnet. The loans had been under a forbearance in accordance with CARES Act COVID-19 emergency relief. On my credit report with each of the 3 bureaus, a code/remark was added : " Affected by natural or declared disaster '' and remained on the reports throughout XXXX. In XX/XX/XXXX, my credit score dropped by XXXX points due to the aforementioned code being removed from my credit reports by Nelnet. The 3 loans continue to be in forbearance in accordance with the emergency relief ; payments are scheduled to resume in XX/XX/XXXX after the relief expires in XX/XX/XXXX. The removal of this remark/code was triggered by my loan consolidation and with all other conditions remaining unchanged, this should not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN HONDA FINANCE CORP
State: MD
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 XXXX XXXX believes that American Honda Finance has no choice but to delete the account currently posted on my XXXX Report, and that XXXX missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but American Honda Finance cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by XXXX as the statement posted by American Honda Finance shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was told by navy federal that I owed XXXX but I didnt know why apparently when I thought I lost my wallet in my room I lost it at a gym thats the last place I could think of thats the only time I take out my wallet so security told me that they were gon na close all my accounts and that until I pay them I wont be able to open back up with them and now I just called back and now I owe XXXX I havent had access to my bank account or my card and over a month and now Im just lost and confused with no way to pay this debt back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have written a request to Transunion Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be 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 explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Transunion, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because these companies refuse to comply with my lawful demands.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: UT
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 am tired of complaining about these same issues with this bureau. They repeatedly keep leaving the same inaccurate info on my report pretending that it's correct and some how I'm too stupid to understand anything. The stupidity is all within this bureau not in my home! See attached with comments that don't make any sense to me at all!

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 2017-10-01
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ability Recovery Services is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the three credit bureaus ( XXXX, XXXX, and XXXX ) is incorrect. 

The company states they are collecting on behalf of XXXX XXXX Department. The accounts that Ability Recovery Services are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX Emergency Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX Emergency Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. 

In an attempt to help this matter, I provided documentation to the Gainesville Emergency Department showing that I was covered 100 % during the service dates. The XXXX Emergency Department agreed and confirmed this information upon receiving copies of my approval letters. The XXXX Emergency Department said they would forward the information to Ability Recovery Services. I have called several times and Ability Recovery Services have said that they are not sure if the information have been received and was not sure ig if corrections were applied yet. I took it a step further and decided to send the documentation via certified mail to Ability Recovery Service myself. 

I feel this is unfair and I would like this fixed immediately. I want to ensure that Ability Recovery Services corrects this error, remove this information, and cease reporting this incorrect information to all three credit bureaus. 

I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.

Company response to consumer: Closed with explanation