BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: Experian Information Solutions 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:
It is very clear that XXXX and Experian are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove 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 2018-11-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid as of XX/XX/2019. The reporting is inaccurate, account should be closed and not in collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today, XX/XX/2023 I received a correspondence through mail pertaining to my initial identity theft dispute submitted on XX/XX/2023. The letter states my initial claim is missing essential personal identifying information or account specific information that would allow the completion of my request. Below I have attached all required documentation pursuant to FCRA 605B including but not limited to the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, utility bill, and the official TransUnion Identity Theft Victim Assistance Affidavit. Accounts disputed : 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I tried disputing Navy Federal off my XXXX report. This have been a fraudulent item reporting. It's been over 30 days and I have yet to receive any letter updates of proof that the debt belongs to me. Can you please remove this of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have to make 10 monthly charges with my debt card in order to avoid getting charged a {$14.00} monthly service fee by Wells Fargo, I made more than 10 charges with my debt card the month of XX/XX/19 - XX/XX/19 and Wells Fargo changed my Debt card charges to show up XX/XX/19 in order to wrongfully charge me a monthly service fee of {$14.00}. I have been wrongfully charged a {$14.00} month service fee by Wells Fargo almost 10 times and I'm tired of it. Wells Fargo is wrongfully charging my account monthly service fees even though I completed 10 debt card purchases in order to not get charged. This is illegal! Wells Fargo is wrongfully charging my account a {$14.00} monthly fee because I'm XXXX and Wells Fargo don't like XXXX people or XXXX businesses! Wells Fargo is " 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 monetary relief
Consumer complaint received 2018-11-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card called the Citibank XXXX XXXX XXXX   Platinum Card. Due to not wanting to pay the annual fee of {$95.00}, I requested to close the card account in the middle of XXXX. I was told by a Citibank representative that it would be in my best interest to switch my card to the Citibank XXXX XXXX XXXX XXXX Card, which did not have an annual fee. I was also told in the same conversation that the annual fee I was charged for the upcoming year would be refunded within 2-3 billing cycles. I did not understand why Citibank could not reverse the annual fee when I originally explained I did not want to pay to annual fee, and when I was switched to the XXXX XXXX. However, I accepted this, and patiently waited. 

In the middle of XXXX, I saw that my statement still had the annual fee of {$95.00} as my balance. Furthermore, I saw that interest was also charged on this annual fee. I called Citibank once more, and I was told by a Citibank representative that the annual fee would be taken off of my account on my XXXX billing statement, and that also the interest charged on my account would be reversed as well. It is now XX/XX/XXXX, and I noticed on my statement the annual fee is still on my account. 

I contacted Citibank today, and was told my annual fee would be reversed in now in XXXX. Meanwhile, interest is continuing to be charged on my account on the improper annual fee, and I feel my patience is being taken advantage of. I realize this fee is not a great deal of money, but the level of smug customer service I have received from Citibank and their constant delaying of reversing an improper annual fee I know Citibank could reverse immediately, feels predatory to me. 

I am requesting the CFPB to look into 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 monetary relief
Consumer complaint received 2019-11-15
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke to a FedLoan representative on XX/XX/XXXX about what I could do to avoiding negative credit reporting. The representative explained that the best option would be to have a Delinquency Forbearance submitted for me. Despite this effort, a negative credit report occurred a few days later on XX/XX/XXXX. It was later explained to me by different representatives ( XX/XX/XXXX and XX/XX/XXXX ) that the first representative ( on the XX/XX/XXXX call ) should have advised me to use a General Forbearance, of which I had 702 available days ( and still have 702 available days ), but failed to give me this information and advice. It was also explained to me after the fact that a Delinquency Forbearance is not something a consumer like myself can request, but must be offered and processed by a representative. This Delinquency Forbearance was offered and submitted by the representative on XX/XX/XXXX, which resulted in a denial because the circumstances of my case did not meet the required criteria. I contacted XXXX again on XX/XX/XXXX when I learned of the negative credit reporting. At that time, another representative encouraged me to submit a dispute and took it upon himself to submit a request for review on my behalf. 
The XXXX representative that I spoke to today, XX/XX/XXXX, explained the he also would have advised me to use a General Forbearance at that time if had been speaking to me and that, had the first representative advised me of this, I would have been able to avoid the negative credit reporting that occurred as a result of allowing that representative to submit a Delinquency Forbearance rather than a General Forbearance. I feel that I was misled as to what my options were on that XX/XX/XXXX call by the representative. If I were given better advice and had been made aware that I had the option of using a General Forbearance at that time and not encouraged by the representative to allow the Delinquency Forbearance to be submitted on my behalf, I would have been able avoided this negative credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved into some apartments in XX/XX/2016. The apartments were really rowdy dirty and the property XXXX was on XXXX. I spoke with them asked to move out. They agreed that I could break the lease and move out so I.. after I moved out I spoke with a man that said he was the owner. He called me a XXXX XXXX we got into an argument. He told me well I dont approve of you breaking the lease. I told him we already signed documentation and I moved out of the apartment he was upset because I said his apartments were ghetto and dirty and that I did not live like that XXXX years later it appeared on my credit report. When I called the apartments to get information, she gave me a fake number, XXXX XXXX the company and they did not have any information that they can give me regarding the debt that they claim that I owe. I was never given notification of this debt. I was never made aware that they were trying to come out to me for breaking the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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. 

XXXX XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX # XXXXXXXX XXXX XXXX  Account # XXXX # XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # 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 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 explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: OR
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 recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For 13 consecutive months, Franklin American Mortgage Company ( FAMC ) has mismanaged two VA refinance loans originated in late XX/XX/XXXX. Both the CFPB and Texas Attorney General 's office were helpful in resolving many of the problems due to direct intervention in XX/XX/XXXX-XX/XX/XXXX. However, FAMC continues to violate the RESPA and my rights as a borrower in regard to these two loans. 

The loans in question : - XXXX XXXX XXXX ( rental property pending sale on XX/XX/XXXX ), loan # XXXX - XXXX XXXX XXXX ( primary residence ), loan # XXXX Fraudulent Late Fees : From XX/XX/XXXX - XX/XX/XXXX, FAMC misapplied monthly payments for the XXXX XXXX property ( loan # XXXX ) that were received in a timely manner per the loan agreement. FAMC 's actions caused processing delays and false, negative reports to credit reporting agencies. Following CFBP and Texas State Attorney General office intervention, it appears that FAMC has corrected the false credit reporting, but they continue to account for late fees from this time period to the amount of {$210.00} as of the XX/XX/XXXX statement. These fees were generated due to FAMC errors, not my payment history. I have attempted to get FAMC to clear these fees with no success. This property is under contract for sale with closing date schedule for XX/XX/XXXX. It is in both our best interests for these fees to be removed before then. 

Failure to Respond : I have sent multiple requests for FAMC and they seldom receive attention. My last formal request was sent in early XX/XX/XXXX and FAMC acknowledge receipt on XX/XX/XXXX. To date, they have not responded. The request was for the company to transfer both of these loans, especially the one for my primary residence ( XXXX XXXX, loan # XXXX ) to another mortgage servicing agency due to FAMC 's reported failures on every aspect of loan management - escrow, payment processing, and harassment that all stem from FAMC 's internal failures. Due to their repeated and continuing violations of the terms of the contract and the RESPA, I have no faith that FAMC will ever comply with either. Knowing that FAMC has such a significant impact on my financial well-being and credit rating is unacceptable. The only acceptable solution is that this loan be transferred to another mortgage servicing company. 

Objective : - Remove fraudulent late fees before the loan closes on XX/XX/XXXX and ensure these fees do not get included in the sales process. 
- Refund any late fees paid to date if the above is not completed timely. 
- Receive confirmation that FAMC has transferred loan XXXX ( XXXX XXXX XXXX ) to another mortgage servicing company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX  # XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below XXXX, which sounds odd because it was closer to XXXX the last time I checked. I checked my credit to discover that the department of Education and XXXX have been making reports to my credit which has taken my credit down by 100 points and more! One report from XXXX took my credit score down 91 points in a single day! I have not had any communication with XXXX  to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with XXXX  yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
XXXX keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from XXXX, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MI
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:
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 15 USC 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. 16815-2 ( AX1 ) 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 explanation