BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
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 XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX 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 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 2023-08-10
Company: EQUIFAX, INC.
State: GA
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
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 non-monetary relief
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA fraud department refused to reimburse funds to the account due to a scam of {$740.00}. I immediately notified the bank of the incident and uploaded all supporting documentation to show the malicious and complexities of the fraudster. The banks reasoning is that the money sent to the other account was a registered XXXX user and isn't fraud. However, this is fraud because the user created fake XXXX business emails to solicit the money. I believe that I did not act out of negligence and this was a thorough and premeditated attack on my finances. USAA does not have an appeals process at this time. It is important to note that I have banked there for 8 years and am considering switching due to their unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you

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 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-02-14
Company: EQUIFAX, INC.
State: GA
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:
I want this late paym

ent deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Nelnet, Inc.
State: OH
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:
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a new student loan servicer to complete a re-verification for student loan repayment. Prior to this my loan was serviced by another company, I had never heard of Nelnet. I am on the Income Driven Repayment plan. After going over the information on the phone, they lady at NelNet said that my payment would continue to be {$0.00} ( this made sense because my wife has student loans through XXXX and her payment was also continuing to be {$0.00} and we both had to re-verify at the same time of year ) I was sent paperwork in the mail to sign and return, which I did. I did not receive any further communication from Nelnet. 

In XX/XX/XXXX I applied for an auto loan. The lender told me my credit score was XXXX ( it had been in the mid- high 600 's ) I was shocked. I asked how on earth that was possible. They said that Nelnet had reported 42 missed payments on my credit report. 

I pulled my credit report and verified that this was true. I contacted Nelnet. They stated that I do not have 1 loan ( which is how this had always been reported before ) but 14 smaller loans. These 14 loans had been reported as never being paid since XX/XX/XXXX but only once they had become 90 days or more past due. I had no idea I owed anything. Since my wife and my income are the same and we both filed the same paperwork, why would one servicer charge a payment and the other servicer not charge a payment? 
Nelnet refused to even consider that they had made a mistake. They admitted there was no correspondence but said they had tried to call - this is false - they did not ever try to call. 
My credit is ruined, it will take years to undo the damages caused by this company. We can clearly prove they are incorrect but it does not matter to them. We made the {$23.00} payment they wanted for the past 6 months today to try to repair as much as we can. We have filed to have all of our loans serviced by XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a transaction on my account that has been on hold since XXXX, 7 years ago to this day! I was unaware of the funds, as I thought it was a savings account. I was charged a service fee for this account on XX/XX/XXXX for XXXX. When I looked into the account and seen the number of funds in the account, I immediately wanted them moved to my current checking account. I have spoken to over 10 representatives regarding this issue, starting with the bank institution. No one has provided any information of than accusing me of fraud and money laundering. I was asked today by the case worker on my account to provide documentation that the funds belonged to me. I said who else would have funds in their account for over 7 years and it would belong to someone else. The bank caseworker XXXX XXXX then warned me again that the hold would not be removed and there is nothing else she can do. I am at my wits end here. I am being criminalized and ignored as a loyal customer for almost 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ERC
State: FL
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:
XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-21
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a XXXX XXXX XXXX in XXXX XXXX. When I applied for the card on-line they offered a XXXX XXXX balance transfer deal. I submitted the information for the loan I wanted to have Citi pay to take advantage of this. The loan I wanted paid off by them was with XXXX XXXX XXXX XXXX in the amount of {$6700.00}. I received my Citi MasterCard on XX/XX/22 and activated it that day. I also created a log-in on their web site so I can access my account on-line. I noticed ( on XX/XX/22 ) they had already charged my account for the above amount yet when I checked my XXXX XXXX account on-line the balance on the loan I wanted Citi to pay off was still there. I called their customer service number ( XXXX ) XXXX when I finially got through to a representative they acted like they couldn't hear me and hung up. I have called them XXXX more times since XX/XX/22 and each time this is what they do - their phone menu is very difficult to navigate and they intentionally make it extremely difficult to get through to some one. As of today, ( XX/XX/22 ) the balance on my XXXX XXXX XXXX still shows the above balance ( citi has not paid it off ) and of course Citi show 's that I owe them another {$6700.00}!! These people are nothing but thieves!!!

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion refuses to remove invalid items from my credit report that does not belong to me.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged overdraft fees and a.hard time closing the account.

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 2018-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.

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 2018-01-24
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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