BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOWXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NV
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 BANK 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 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EdFinancial Services
State: TX
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 was unemployed starting XX/XX/ and immediately submitted an unemployment deferment request. I didn't hear from the Loan Servicer whatsoever about the status of my deferment request. I submitted another unemployment deferment request on XX/XX/ and to this day, I still haven't hear anything from this Loan Servicer. I called them XX/XX/, and they have no record of my first submission and was told to wait for my second deferment to process. They are refusing to review and approve my unemployment deferment request while months of payments are mounting and late. They are illegally holding my account XXXX to hurt my credit and accrue interest on late payments.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TN
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:
Me and my son were lied to by XXXX XXXX back in XXXX of last year we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX  and also XXXX which I have recently been diagnosed on that spectrum as having as well as the ADHD diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to XXXX. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
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:
As the authorized representative im acting on behalf of XXXX XXXX XXXX implementing my consumer/beneficiary full rights, protection and privacy, over the years i wasn't knowledgeable enough to properly perform on the duties to satisfy my contractual obligations but all has changed thanks to my XXXX and XXXX XXXX XXXX XXXX My discovery is that these Consumer Reporting Agencies are doing unfair practices blocking me from my rights to receive my XXXX given rights to credits for Personal, Family and household purposes, because of the negative things showing publicly to oppress me and lose public confidence, the opt-out disclosure was unconscionable because if i was fully aware i would have never agreed to disclose information pertaining to my experiences and transactions for any CRA to gather from any financial institution that im a party of and doing business with. Any late payments reporting showing my credit usage and payment history is not something I consent to nor would have agreed to if i was given full disclosure conspicuously. Therefore I need The CFPB to escalate this enforcement by blocking all payment history and credit usage from showing publicly on all CRA 'S. I expect this matter to be to my satisfaction in 10 days.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-03-14
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX  months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX  months is waaaay too long for this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2018-02-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.

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 2018-08-08
Company: CITIBANK, N.A.
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:
The date for the first incident t was on XX/XX/2018 it doesn't have an amount and the action that was taken from the company ( XXXX/cbna ) is that on my credit report it says that they pulled an inquiry off my credit and I MYSELF NEVER was asked or notified of this incident In any type of way because I wouldn't of allowed this to happen..and also another company named ( XXXX XXXX XXXX XXXX ) did the same exact thing to me on the date of XX/XX/2018 I did not approve or have any type of knowledge of them having a reason to try and pull my credit report and imply and inquiry which in the end added 2 more nonsense accounts to hurt my credit some and I've been working so hard to get my credit up so I can get ready to buy a house for my family! Please do help me get to the bottom of this situation Thank You Greatly!

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 2022-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX   XXXX keep sending me collection for past car insurance that I paid in XXXX. I want to purchase a home but this charge keep coming up. They sent me a listing of all my payments and I showed where I paid double. I left XXXX XXXX because of their tactics and I have been disputing this charge every since. Against my better judgment I paid again because I was trying to purchase a home. Caine and weiner sent a settlement letter dated XX/XX/XXXX. I paid {$350.00} by XX/XX/XXXX per the settlement letter. Confirmation # XXXX Acct # XXXX. I called back. I was told I now have a remaining balance. I asked for charge to reflect paid on credit report. Nothing. 

I am now seeking assistance as this agency is not being fair. Help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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 Agency Act XXXX XXXXXXXX XXXX XXXX XXXX : 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 with my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had this collection on my account for 3+ months which has nothing to do with me. Someone stole my identity or committed fraud because I never had XXXX XXXX XXXX. Please remove this collection ASAP that I have no knowledge of. Before this random collection I had a 700+ credit score. I have also a 100 % payment history with an annual income of 100,000+ a year, I am not struggling and this collection is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
received this letter NFCU will not allow me to dispute charges with XXXX and XXXX for opened and fraud product XXXX : Debit Card No. XXXX XXXX XXXX Dear Member : This letter is to inform you that we have made a final determination regarding your Navy Federal Debt Card fraud claim in the amount of . 
Based on the facts of our investigation, your claim is found to be valid. The provisional credit of $ issued to your account is is now permanent and will not be reversed. 
If you have any questions regarding this matter, please call us toll-free at XXXX. If you prefer, you may send us a secure message via Navy Federal Online Account Access, or you may write to : Navy Federal Credit Union, Card Fraud Prevention Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. 
Thank you for allowing us to serve you. 
Sincerely, Card Fraud Prevention Recovery Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX do not belong to me. My name is XXXX XXXX XXXX XXXX : {$3400.00} Interest : {$1100.00} Total due : {$4600.00} Date assigned : Enclosed- not sure what this means Dates of alleged invoices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX Request to validate debt : XX/XX/XXXX - never taken off credit report after disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MS
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX  XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/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
Consumer complaint received 2023-07-19
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to TransUnion multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX XXXXXXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

I need some information asap. This getting very stressful and unbelief to handle Thanks, 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