BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems inc. account XXXX Attempting to collect {$2100.00} which is {$1000.00} more than what is owed plus its not my account!!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

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 2019-12-12
Company: AES/PHEAA
State: CA
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:
XX/XX/XXXX : Applied for REPAYE. Informed Fed Loans that the recalculated amount for the year ( {$600.00} ) was not the lowest possible. Submitted IDR ( Income Driven Repayment ) request on XX/XX/XXXX. 
XX/XX/2019- Got forbearance for the month, as my REPAYE application was under processing. 
XX/XX/2019 : Received email stating the payment for XX/XX/2019 would be {$2900.00} XX/XX/2019 : Received another email confirming new REPAYE amount- a new monthly payment of {$420.00} which is first due on XX/XX/XXXX. 
Called on XX/XX/2019 : Called to clarify that the amount due mentioned in one email ( on XX/XX/XXXX, {$2900.00} ) was incorrect and wanted to make sure my new payment amount ( {$420.00} ) was reflected. The FedLoans customer service agent stated that I could pay {$5.00} for the month of XXXX  because  they did not use the direct deposit on file to withdraw the due amount. They then confirmed for XXXX the updated REPAYE amount ( {$420.00} ) would be processed, not the higher amount stated online in the account due to forbearance on the account. She assured me that it would be updated to reflect the correct amount by the time the bill was due on XX/XX/XXXX, and wouldnt withdraw {$2900.00}. 
XX/XX/2019 : Fedloans withdrew {$2900.00} from my account using direct debit. This was done even after I spoke to Fedloans customer service on XX/XX/XXXX, where they stated that this would not happen and the {$5.00} would trigger the forbearance for XXXX.

XX/XX/2019 : The payment of {$390.00} ( this is the original a
mount before recalculation for the year. I am not clear why this figure was brought up again ) was confirmed but FedLoans didnt suspend the larger amount since I am on auto debit draft ( they made the mistake of keeping the auto drafting function on and didnt submit the forbearance ). I asked to speak with the manager and she said she could escalate and expediate the refund of {$2900.00} but it could take up to 10 days. The mistake was on their end and they should have suspended the XXXX withdrawal and placed a forbearance on the account for XXXX. 
XX/XX/2019 : Called Fedloans because the online portal stated I was past due and the amount owed was now {$3300.00}. The Fedloans customer service agent stated that this because a refund will be issued and it also includes the {$420.00} due in XXXX. The refund request was not processed until XX/XX/XXXX and I may receive the refund sometime this week. However, I received an email about a forbearance approval for XXXX ( email received later in XXXX ) but it was not reflected in the account when I called on XX/XX/XXXX and still showed that I was delinquent on the payment. I was told that I should turn off direct debit withdrawal because they could possibly make the same mistake and withdraw {$3300.00} in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
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:
XXXX XXXX XXXX Citizen one XXXX  XXXX  XXXX Removed the inquire from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: CA
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 sent my letter off onXXXX 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I also attached the letter I sent out here is the tracking numbers attached, with letters and credit reports. 
According to the FRCA The term " investigate consumer report '' meansa consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquaintedor who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting100 % Accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Showing the inaccuracies attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I have sent a dispute letter to Equifax. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Equifax was able to identify me. 

Equifax has a legal obligation to conduct a reasonable investigation within 30 days. Equifax has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Equifax. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: CA
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 is XXXX XXXX who is submitting this CFPB complaint myself.This item is reporting late, yet it is closed and the balance is zero. Lets correct this immediately. I sent letters to Equifax XXXX XXXX, the date of the last letter was on XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint Please delete the account : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
Transunion, XXXX, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately

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 2022-10-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint against Equifax for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Equifax to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. I even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
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:
This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navy Federal Credit Union states in their " Important Disclosures '' that Navy Federal does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company SECURITY CREDIT SERVICES posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with SECURITY CREDIT SERVICES they have purchased a debt without me being involved in the transaction. How did you get my information? This is a duplicate account pursuant to 15 USC 3002 I am a natural person. 
You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor  Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and SECURITY CREDIT SERVICES is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX insurance sent a check to Bank of America after my fire, to be credited to my mortgage account and BAC Home loans cashed the check for {$42000.00} and never credited my account. Then they sold the loan to XXXX XXXX servicing who is now claiming I owe THEM the full amount of my original loan with BOA. Both companies destroyed my credit report and despite my having a copy of the canceled check, that BoA cashed, the credit bureaus wo n't correct the mistake and neither will BoA or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
Wells fargo account credit card I have requested for all late payments to be remove since XX/XX/XXXX. 
i was XXXX due to XXXX on the XXXXXXXX and wasnt able to work, I have over 7 late payments reporting since XX/XX/XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX XXXX monthly

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 2023-06-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted Transunion regarding an unauthorized inquiry on my report from XXXX XXXX XXXX via XXXX XXXX XXXX made on XX/XX/2019. I informed Transunion that i do not recognize this company/ inquiry, i did not apply for anything with XXXX XXXX XXXX via XXXX XXXX XXXX and for them to please remove it from my report because this is false and there for is indeed fraud. Transunion refuse to remove it, Stating that i need to contact the company directly to get it remove. I do not wish to contact a company who already committed fraud by using my information without my permission ( breaching my privacy ). This request is fraudulent and is negatively impacting my credit report causing me a lot of 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 2023-08-18
Company: EQUIFAX, INC.
State: CO
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 not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( MO ) 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXX financial Transunion account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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

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 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
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 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. 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 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 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief