BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX  SOC SEC  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: FC HoldCo LLC
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:
I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-16
Company: World Acceptance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I opended an installment loan with WFC, after several months of making on time payments, I lost my job and fell behind. On XX/XX/XXXX a {$590.00} payment was made, then I fell behind again and the account went into a charged off. WFC continues to report charged off balance of {$780.00}, but the past due amount is increased each month? I do not understand how this is possible, to raise the amount I need to pay to fix this each month and report it on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. 
Thank You for your Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
This company Captial one auto financial. Company has been abusing reporting on my credit report. They take three months to report good things on my credit. They instantly report bad things on my credit. I notice this in XXXX when I went to look at a new car. Car company ran my report and capital one 3 month behind. I had just paid then XXXX dollars. My car payment is XXXX a month. I called them and paid additional money on my account XXXX. Then I notice that my credit report was not changing. I called and asked them how can I get out of this loan. I informed them that I no longer want to be with this company with a loan. I was told that I had to pay the whole thing. I told them that I could only pay XXXX in XXXX. They told me that my account would be current. Next thing i know the called saying i owe them XXXX. I said I just paid XXXX. They told me that only counted for one month. I told them I was not behind. I was paid up the account. They never honored my XXXX  payment. Now they saying I am behind 2 months. However, i would like to know where the XXXX   went on my account .my credit score was XXXX and they have taken it down to XXXX. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: ENOVA INTERNATIONAL, INC.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
- CashNetUsa sent me sent me an email on XX/XX/23 for me to access a Line of Credit statement that they represented I'd taken out with their firm. I have never applied nor received a loan from this firm, never would, nor provided them with my approval and personal information. 
- They continue to send me emails attempting to collect on this either bogus or fraudulently obtained debt with their firm. 
- The most recent email ( received today XX/XX/23 ) indicated a payment amount due of {$170.00} on line of credit # XXXX for customer # XXXX referencing my name and it was sent to my personal email address. 
- I contacted them via phone today and informed them that this is a bogus/fraudulent transaction, to discontinue contacting me, and to delete and destroy any personal information they have on me at their firm. I refused to provide them my personal information, despite them asking for my SSN #, and other information. 

This firm fails to comply with privacy protection rules, know your customer laws, customer identification/validation, and is attempting to collect on an illegitimate debt and is facilitating fraud and identity theft in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 15 USC 1692g as a consumer I do not owe any alleged debt. I have tried to dispute this information and I had little to no luck. Delete this information from my credit report. It violates my rights as a consumer and it violates the law 15 USC 1692 G.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business account with Venmo in XXXX of XXXX. Since then they have restricted my withdraws due to their inability to verify my account. Every time I work to verify my account I receive errors or their team stops responding to me. 

In XXXX of XXXX I submitted multiple tickets with their team, attempted to call them, and provided evidence. They won't give me access to my business account on the web and their app won't allow me to withdraw more than $ XXXX and often won't even allow that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 without my written instructions.

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

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 2021-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-07-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMCB is reporting a charge-off account on my credit reports ending in XXXX. This account was opened in my name without my authorization. I don't recognize the reported account. I asked JPMCB to validate with a contract for proof of signature, this doesn't exist. This is a request for the account to be deleted from XXXX, XXXX, & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 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 2022-12-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX  XXXX - {$500.00} Closed account XXXX XXXX {$300.00} Closed account XXXX and {$99.00} Closed account account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : MEDICAL, DEPT OF ED/XXXX DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My insurance company raised my rate due to a temporary suspension that was reported on my dl from XX/XX/XXXX - XX/XX/XXXX. This is an error as I have had no contact with anyone or anything this entire year that would even imply that my license was suspended, let alone reinstated, without my knowledge. 

My insurance company keeps pointing at lexisnexis, lexisnexis is pointing at the dmv, and the dmv is pointing back at my insurance company. 

It is costing energy and effort to try to set something right that they all agree is no my doing, or my fault, but no one wants to step up to fix the issue. 

My insurance company maintains that lexisnexis has the power to remove the incorrect information from the record. Lexisnexis maintains that it is the dmv 's records that need to be edited. The dmv has given conflicting information I spoke to all these entities today, Tuesday, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOEXXXX Company Inquiry : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good morning, I am being charged for a medical debt from my son who has always had XXXX health insurance. I do not understand the reason why this account was not charged to the health insurance at the time and now after a long time I ran into this horrible situation. to communicate first with the medical insurance to pay thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: ID
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a unit from XX/XX/XXXXXX/XX/XXXX located here in XXXX, KY, I was forced to vacate the unit and did not stay until the lease expired. But my complaint here I do not agree with the amount being reported on my credit. I have asked repeatedly to get a complete break down of the total {$2800.00} being reported on my credit file. No one from National Credit Systems ever responds to my dispute letters.

Company response to consumer: Closed with explanation