BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX. XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.

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 2018-04-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX serviced two cards for me : one for XXXX 's, and another for XXXX XXXX. My family is attempting to rebuild our credit, and these two cards had high balance ratios and high interest rates, so they are among the ones we prioritized paying off. 

The XXXX 's card was paid off - approx. {$240.00} dollars against a {$300.00} limit. As soon as the balance was paid down, we received a letter from XXXX saying they had closed the account due to credit score. The credit score had not changed. 

Two months later, we obtained a high-interest rate personal loan to consolidate and pay down some of our debts. One of the debts paid off was the XXXX XXXX card - {$3900.00} owed on a {$4000.00} limit. Three days after paying that card completely off, XXXX writes to inform us that our credit limit has been decreased to {$100.00}. 

With the same loan, we paid off a medical expense card held by another bank, and were successful in satisfying it before the deferred interest charges were applied. The other servicer did not close our account nor drop our credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 

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 2021-03-16
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from XXXX XXXX XXXX XXXX XXXX late XX/XX/XXXX. I requested communication through mail. I received a collection letter ( {$8600.00} ) dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. XXXXXXXX XXXX ignored my request and reported the collection to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was overseas for a good number of years in the republic of XXXX XXXX for work. 

During that time someone used my social security number to open multiple trade and credit accounts in my name, including XXXX XXXX XXXX/LVNC Funding LLC/Resurgent Capital Services . 

The last time I was out of the country for 3 years and 8 months. During that time the aforementioned company executed a summary judgement against me in XXXX XXXX XXXX XXXX and were illegally granted the sum of {$900.00} plus dollars. 

The company was informed that this debt is not mine, the lawyers that represented this company will not return phone calls, they have a judgement entry in XXXX XXXX and used a spreadsheet with hundreds of other individuals name on it to state it was my debt. 

When I contact XXXX XXXXXXXX XXXX they said they would research it and get back to me, this did not happen after 120 days. 

I tried to contact the debt collection company- they are acting in bad faith and none of them have said how they intend on reversing the illegal judgement that they were granted by the court. 

I am attaching proof of my identity theft including from identity theft.gov, the XXXX Ohio police department and whatever other proof I can deliver. 

This company has knowingly acted with ill regard for the law and has harmed me. They are in violation of the laws in the state of Ohio. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX it is egregious that a company would be allowed to continue in operation and should be fined by the United States of America and the states respectively that they operate in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-10-07
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: Information belongs to someone else

Complaint:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : Fair Collections and Out opened XX/XX/2022 for {$530.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Heritage Financial Group, Inc.
State: IL
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2018-05-25
Company: United Student Aid (USA) Funds
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, my Navient school loan was paid in full. There was a current wage garnishment with my work so 4 checks further were sent out to them by the time my work was notified of the account paid in full on XX/XX/XXXX. XXXX cashed the checks ( i have the cancelled checks cashed on XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$22.00}, XX/XX/XXXX - {$140.00}, and XX/XX/XXXX - {$140.00} ). I began calling on XX/XX/XXXX to ask why I wasn't issued a refund as the account was paid in full and closed out. No one could answer but said it is 30 days for a refund. I called again on XX/XX/XXXX, and was told it was 30-45 days for a refund to be completed. Then called again on XX/XX/XXXX And this was time was told it was 60 days for a refund and it was not sent to accounting until XX/XX/XXXX so they wouldn't start the refund clock until then. I called today XX/XX/XXXX and this time was told it will take 60-120 days for the refund to be processed. At least 3 times i left messages for supervisors and never received phone calls back. Today I asked to SPEAK to the supervisor and was told he was on vacation. I then asked to speak to the ACTING supervisor and was told there was no one in charge. Also, my social security number is no longer even valid in XXXX automated line. So obviously my account is far along in the process of being closed out. I am upset by the lack of concern for a refund of checks that were cashed AFTER an account was closed by over a month. The checks could have been returned to my work instead of cashed but instead my money is sitting in their account for months and months and no one can tell me when I'll get it back but my own bills remain unpaid. A serious lack of customer service and I believe ill management of funds. And there is no one from XXXX who I can call to get any information or confirmation from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Credit Karma, LLC
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: Information belongs to someone else

Complaint:
It seems to be a account in my name that some one used my social to get accounts and inquiries under my info. From speaking with the companies it look like oh t all took place in XXXX somewhere. I have reached out to both companies and were informed to do this and also a police report which is also done. Can someone please help me get these removed asap. Thanks XXXX open XXXX, 2018 amount owed {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023, USAA suddenly and without notice halted my ability to make mobile deposits to my checking and savings accounts. I've had accounts with USAA for more than 10 years and have consistently made deposits with little to no issues. When I tried to make this most recent deposit on XX/XX/XXXX, I received an automated message that said, " due to banking history, I could not make mobile deposits. '' When I called USAA on XX/XX/XXXX, I was told that because my XXXX son 's account ( which is linked to mine ; I opened it for him when he was a minor ) was subjected to XXXX fraudulent deposits in the amounts of {$25000.00} and {$10000.00}, that my account -- which is in no way accessible by anybody but me -- was therefore being penalized and barred from mobile deposits. Since USAA has no branches or ATMs that takes deposits, this makes my USAA account virtually useless to me. I spoke with XXXX USAA officials in member services and member resolutions over the course of XXXX day to try and get this situation rectified by either having my son 's account severed from mine ( so that I could resume normal banking activities on my accounts ) or by having the unfair penalty removed from my account ( so that I could resume mobile deposits ), but was told USAA could not help me. I am being wrongly penalized for fraud committed on my son 's account by a criminal because I believe USAA does not want to take accountability for the fact they were negligent in allowing the fraud to go forth in the first place. ( My son had called USAA to report the fraudulent deposits and the criminal activities on his account numerous times over the span of three-five days -- but USAA never stopped the fraud ; never stopped the fraudulent deposits ; never stopped the subsequent dozens of fraudulent cash withdrawals that occurred out-of-state. ) I should not be penalized for the actions of criminals on an account that is owned by my XXXX son, especially when USAA was negligent in halting the criminal activity in the first place. USAA also refuses to give full information about the status of the investigation into my son 's fraud complaint, so that when I call to try and resolve my current mobile deposit issue, or to sever my son 's account from mine, I'm told that USAA can not do that because my son 's account is undergoing a fraud investigation -- but then USAA will not provide clear information about the fraud investigation to either myself or my son. In other words, USAA is not only penalizing my accounts for criminal activity that affected my son 's account -- but USAA is also refusing to give information about the investigation of this criminal activity that could be used to clear up the issues with my accounts ( as well as my son 's account ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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