BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2019-12-05
Company: Mountain Land Collections, 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 status incorrect

Complaint:
XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2021-03-11
Company: JPMORGAN CHASE & CO.
State: PA
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: Investigation took more than 30 days

Complaint:
I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised SunTrust received a full short sale package along with a short sale offer.  The appraisal was completed shortly after the driveway was repaved to the street and the pipes to the water being lead to the street were repaired.  The builder of the home never added a pipe to the street when purchased the home no water and flooding occurred which no money was able to repair or to even go against the builder.  This home had water damages it was extremely costly to get these repairs and resolve the problem with the Builder.  SunTrust appraiser came in at XXXX0 my payoff is at XXXX and they closed our review of Short Sale and told the listing agent to list for a full payoff to Sun Trust. We listed the property on XXXX to market for that type of offer.  Then Sun Trust right after set a sale date for XX/XX/20.  I contacted FHA and a Housing Counselor to assist us with Sun Trust to allow 180 days to market for their request. Sun Trust them had their Plaintiff Attorney send me a Deed In Lieu right after stating the home should be sold for Equity?  They want the Equity Sale that is why they set the sale date. Not fair to me at all this is my home I occupy this home and I have listened to change the offer to pay them off. I had a short sale offer on the property and sent all my docs? I need a fair response from the lender. 180 days is fair to market this home on the 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 2022-01-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I joined a company called XXXX XXXX to be an independent consultant and sell their jewelry. I joined in XXXX of 2021 and purchased many many pieces with the clarification from the company that all pieces were Nickel and Lead free. Within the past couple of months, I have been made aware that the pieces do contain both nickel and lead and also have other toxic metals in them. I have lab results to verify this information from a credited lab. I have reached out to my bank to dispute all funds that were used to purchase these pieces since I can no longer sell this toxic stuff. I have tons and tons of pieces in my house that I have emailed XXXX  to ask for a refund and I would send the items back to them, but they are refusing. I also have documents where on XX/XX/XXXX their website stated it was Lead/Nickel free then on XX/XX/XXXX they removed that part of the statement on their website. I am just trying to get reimbursed for this XXXX that I have in my possession that I can no longer sell to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America has a Military Benefits Unit to help process SCRA benefits requests and I called them on XX/XX/XXXX for my initial request. I was sent the link to submit their on line request form for SCRA benefits and received a case management number of XXXX. I was emailed on the following dates to provide additional documents : XX/XX/XXXX and asked to call which I did, XX/XX/XXXX four emails to provide additional information and I provided, XX/XX/XXXX two emails for additional information and one to call them and I complied with all requests, XX/XX/XXXX three emails for additional information which I provided, and XX/XX/XXXX was an email to say the they were reviewing documents. 
I received a letter for case management number XXXX and a as of date of XX/XX/XXXX on XX/XX/XXXX that my request had be disapproved, because they were unable to locate an account under my name. Received a second letter for case management number XXXX and as of date of XX/XX/XXXX on XX/XX/XXXX that my request was approved. I called on XX/XX/XXXX to get a status update and they were unable to provide one. They were not able to verify if I was approved or if I would receive a refund. I was told to wait on written correspondence. I have not received any additional correspondence as of todays date XX/XX/XXXX. 
The process has been frustrating, because I sent the same information multiple times to the secure email they provided. It is also frustrating that they can not provide an update on the status and/or refund when I contact them by phone. I also had to explain multiple times that the account had been closed in XX/XX/XXXX, but I provided them with the date the account was opened and the full account number each time.

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 monetary relief
Consumer complaint received 2018-06-04
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: OneMain Finance Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As of today XXXX is requiring a code to apply which violates the FCRA law. 
They require a code to apply but did not require it for another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have reported to the bank that my card was stolen and was used to make unauthorized purchase, the bank failed to acknowledge that and resolve the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 reporting 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 ) ( XXXX ) 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 inaccute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: MS
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:
I discovered my minor child made almost {$9000.00} in purchases using my credit card. This was the beginning of XXXX. I filed a dispute. I spoke with a rep several weeks later to provide more details. I received a letter in the mail today stating that I am responsible for my child 's charges. My child is not an authorized user on the account and I absolutely did not approve of any of the charges.

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 2019-12-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being 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 explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: KS
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:
I check my credit report once in a while and I was surprised to find out that I have 4 hard inquiries that I have no knowledge of and that I did not authorize. Inquiry # 1 XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 2 XXXX XXXX BANK XX/XX/XXXX, Inquiry # 3 XXXX XX/XX/XXXX, Inquiry # 4 XXXX XX/XX/XXXX, Inquiry # 5 XXXX XX/XX/XXXX, Inquiry # 6 XXXX XX/XX/XXXX, Inquiry # 7 XXXX XX/XX/XXXX, Inquiry # 8 XXXX XX/XX/XXXX, Inquiry # 9 XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry # 10 XXXX XXXX XXXX XX/XX/XXXX. I immediately contacted each one of them by mail asking them to send me any kind of authorization made by myself, or if they made an error to have the inquiry removed from my Experian credit file. I also sent a dispute to Experian about the ten inquiries that I mentioned on my credit report. I asked Experian to open an investigation and some of them responded by mail stating that they will not remove the hard inquiries because at the time that the information was provided at the time matched the credit bureau files and that the inquiries will be removed after 25 months, and some of them did not respond and I find that very concerning because I did not ask them when the hard inquiries will be removed or when the information that was provided at the time did match or did not match the credit bureau files. When I sent the companies a letter it stated that I have no knowledge authorized of that inquiry and I demand any kind of document which they did not send. Then I contacted the companies by phone demanding them to have that removed because it was not me. I asked them to send me a signed document by me or a recorded phone call authorizing them to pull my credit report then the representative said that they need to order the signed document from the archive. In all the attempts I made by phone or mail I did not get any appropriate response from the ten companies that I mentioned. Experian did not respond to my letter more than 35 business days and by law a credit bureau must respond within 30 business days when opening a dispute and an investigation, and if they do not respond, by law it has to be removed from the credit files. I did contact Experian by phone after 35 business days to follow-up and they told me that they can not remove hard inquiries from a credit report only if the financial federal bureau will order them to have it removed. Therefore, I ask the CFPB to open an investigation and order Experian and the ten companies that I mentioned to have the ten inquiries that I mentioned deleted and removed from my credit file or send me any document that authorized the ten companies that I mentioned to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: FL
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 have been disputing with this company since XXXX concerning the validity of this account with no remedy in sight. Please help me bring resolution to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
COMPANY FILED IMPROPER LAWSUIT, ORDER FOR POSSESSION WAS OBTAINED BUT NO ORDER FOR MONEY OWED. THEY HAVE THREATENED GARNISHMENT AND HAVE NOT RESPONDED TO REPEATED ATTEMPTS FOR VALIDATION OF THE DEBT. NEVER RECEIVED PROPER NOTIFICATION OF COURT SUMMONS AND THEY SEIZED PROPERTY ( INCLUDING 2 DOGS ) WITHOUT CONSENT AND REFUSED TO RELINQUISH LOCATION OF ANIMALS/PROPERTY WHEN REQUESTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Maximus Education, LLC dba Aidvantage
State: GU
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom may be reading this email, I have a concern regarding my student loan payment under Aidvantage. I recieved an email on XX/XX/XXXX, that I owe {$570.00} by XX/XX/XXXX for my student loan payment. I originally applied for AutoPay for my student loan account on XX/XX/XXXX, but the auto pay appeared to not work because i received an alert that I missed a payment on XX/XX/XXXX. I made a payment of {$570.00} on XX/XX/XXXX and received a confirmation email regarding the payment. On XX/XX/XXXX, I reapplied for AutoPay again with Aidvantage. 

I received an email this morning, XX/XX/XXXX, that my payment was " posted '' XX/XX/XXXX. I logged in my Aidvantage Account and saw that I have " no recent payments. '' On my Payment History, I see that my {$570.00} payment was done on XX/XX/XXXX, but then, on XX/XX/XXXX, a " payment reversal '' of the {$570.00} is indicated also on my payment history. I also checked with my bank and noted that the funds were never transferred. 

I am very confused of why my payment was reversed despite receiving an email indicating that my payment was " posted '' on XX/XX/XXXX. I have been trying to get a hold of a representative of Aidvantage via telephone with their customer service number of XXXX, but it has been really difficult. While waiting to be connected to a representative, the call was cut three times. I waited four over two hours with no connection to a representative. I have left an email regarding my concern of my payment, but I have not received a response. 

To add on, when I reapplied for AutoPay on XX/XX/XXXX, I indicated specific amounts for each loan ( all a little over than the intended payment, totaling $ XXXX/month ). I received an email from Aidvantage this morning, XX/XX/XXXX, that " the payment term for your loans has changed. Next payment amount : {$280.00}. Next payment due date : XX/XX/XXXX. '' I do not understand why they changed my payment back down to {$280.00}, when I requested for Autopay of {$310.00} a month. 

I hope my concerns will be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}

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 2023-06-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation