BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
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:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was told by US BANK that they were not reporting my accounts back to my credit report even though the mortgage has been modified and the auto loans was just listed in the chapter XXXX bk that was dismissed in XXXX 2018 due to payment amount being increased. I was still making the payment for the auto loan with US bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer.

We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.

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 2019-11-10
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: Account status incorrect

Complaint:
I have reported to Transunion Credit Bureau that my collections account from XXXX XXXX XXXX has been paid in full and cleared with the collections company. I have received my paid in full letter, I have disputed it with Transunion twice, they have not taken it off. I have recontacted the collection agency multiple times and been informed they have released it on their end and that it is a error with Transunion 's reporting and I have to report it to consumer finance due to Transunion not removing it on their own. 

Amount that was due was {$360.00}, I received my first paid in full receipt XX/XX/2019. I first disputed this with Transunion on XX/XX/2019 and again on XX/XX/2019.

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 2019-11-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Out of nowhere, XXXX added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.

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 2019-11-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Out of nowhere, XXXX  added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: GVA Holdings, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I took out a {$450.00} loan from bright lending and the interest rate is XXXX per month for 19 months which is about 700 % interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX I was at a night club. I paid for and signed a legitimate bill for approximately $ XXXX.After I  left the club, there was a second, unauthorized bill that my card was used for, approximately {$700.00}. 

I filed a dispute and My fraud claim was denied repeatedly because Bank of America said that the club had my signature. Of course they had my signature, they forged it on the second bill using the first bill that I signed. I refused to pay the {$700.00} and closed my account. 

I wrote letters to Bank of America, the credit agencies, but to no avail. 

In XXXX of XXXX my credit score fell 50 points, referencing this unpaid bill from XXXX. The agencies Are penalizing me twice for a bill that was fraudulent on the first place.

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 2023-01-25
Company: EQUIFAX, INC.
State: UT
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:
The listed accounts are incorrect and they are causing distress and hardship affecting my livelihood. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NAVIENT INCORRECTLY APPLIED PAYMENTS ON MY PRIVATE LOAN ACCOUNTS. I HAVE A SEPARATE PAYMENT FOR AN INTEREST LOWERING PROGRAM WHERE I PAID ROUGHLY {$380.00} AS A MONTHLY AGREEMENT. THEN. I HAVE A XXXX  PRIVATR LOAN WHERE THE PAYMENT WAS ROUGHLY {$42.00} PER MONTH. ON XX/XX/2018 AND XX/XX/2018 NAVIENT INCORRECYLY APPLIED MY XXXX LOAN PAYMENTS TO MY OTHER PRIVATE LOAN ACCOUNT. WHEN I SPOKE TO A NAVIENT REP PREVIOUSLY HE SAID MY ACCOUNT COULD BE DRAFTED AS ONE DEBIT EACH MONTH BUT THE PAYMENTS WOULD BE APPLIED TO THE CORRECT ACCOUNTS. DUE TO THEIR ERROR, MY ACCOUNT IS SHOWING OVER 60 DAYS PAST DUE. IF THESE PAYMENTS ARE NOT APPLIED CORRECTLY SOON. I WILL FILE A LAWSUIT AGAINST NAVIENT FOR INCORRECTLY APPLYING MY PAYMENTS WHICH CAN RESULT IN LATE FEES AND NEGATIVE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My house is broken into in XX/XX/2002 my identity purse was stolen I noticed on my credit report there was different false accounts that was not mine due to Identity theft. There's a collection on there from XXXX XXXX XXXX  I tried to reach out to Midland funding to let them know this was identity theft they didn't care they kept telling me I needed to pay this.I paid some of these smaller things that I'm not paying anymore I've already spent {$4000.00} trying to clear up my report.I don't feel as a victim I should have to keep defending myself against these companies. I have sent XXXX  XXXX my police report my FTC report and still nothing I would like this off of my credit bureaus all three of them it's hurting my credit.I 've spoken to Midland funding over and over letting him know this was not mine they don't care they are very nasty company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They repeatedly call and ask for someone else. I tell them who I am, but relentlessly continue to harass me asking for this other person. I have had this number for about a year now. They call 3 times a day, day and night for the past two months that I can remember. They are called RPM debt collectors. I do not have any connection with this garbage 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 explanation
Consumer complaint received 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to TransUnion Credit Bureau and XXXX  to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. TransUnion and XXXX  refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
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 Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden TransUnion and XXXX  to care less about little MAN like me. 

Notion that an enterprise like ( TransUnion and XXXX  ) can just reports whatever without consequences is insane. 

Sincerely 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 2019-11-10
Company: HW Holding, 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:
Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with Hunter Warfield Inc. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2021-06-09
Company: EQUIFAX, INC.
State: IN
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, the consumer want to file a complaint on Equifax XXXX. XXXX XXXX, XXXX, GA, XXXX. My complaints on Equifax are that they are violating and undermining my consumer rights according to Laws stated by Congress. 

1st Violation. 
I did not give Equifax the permission to furnish any of these accounts listed. The accounts below are being reported on my credit without my consent nor instructions pursuant to 15 USC 1581b ( a ) ( 2 ). That includes factual information, or transaction history. 

2nd Violation 15 USC 1681 ( a ) ( 4 ) my right to privacy is being violated. 

3rd Violation According to 15 USC 1681 ( a ) ( e ) you have to do interviews with my family, associates, neighbors do validate a debt. They did not perform any of the sorts. They told me over a recorded line that they didn't have to follow that law for validating a law. 

Fact, please show good faith in this matter by expediting this process of having Equifax remove the items listed on your their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to Equifax violating my right to privacy and not having my consent for reporting these particular items on my consumer report. 

XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX P.S : XXXX  and XXXX  have already removed these accounts that are reporting on my consumer report. Equifax is the only reporting agency that is giving me problems and damaging my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CITIBANK, N.A.
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:
I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed item that have been reported on my credit profile may be a result. I have no knowledge of this item or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor CITICARDS CBNA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with CITICARDS CBNA RESULTING IN ACCOUNT NUMBER XXXX My desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

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 2022-12-15
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with SeedFi. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX am, I received an email from SeedFi stating my account would no longer be serviced by Seed Fi and that XXXX XXXX XXXX XXXX XXXX XXXX or XXXX would be taking over. After making my payments of {$60.00} every XXXX weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and XXXX is holding up the process. I have received several different responses to my inquires from XXXX, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with SeedFi. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between Seed Fi and XXXX, they need to figure out a better way to get customers what's owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/2015 2015

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 2019-11-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Event occurred today, XX/XX/2019 at about XXXX. My wife and I were sitting in our home with representative of flooring company ( XXXX ) completing credit application. I received an email from Well Fargo Bank of a Credit Card Agreement. The agreement did not include my name but noted it was a Terms of Agreement. I had not signed any agreement nor applied for credit card from Wells Fargo. A few moments later I received a call from a WF agent stating I needed to provide personal information ( DOB, last four of SSN ). I refused to provide information and was told I would need to call WF later if I wanted  to proceed. 
The XXXX representative, along with my wife, listened to the exchange ( via speaker phone ) and looked surprised and stated, I dont know why they are calling you - we havent completed application. When I refused to provide requested information the WF agent quickly hung up.

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