BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My conplaint is ** USAA 's FALSE CREDIT DOCUMENTATION. ** see CFPB USAA Response XX/XX/XXXX XXXX-XXXX  & XXXX-XXXX.USAA Confirms ** ( " You reported fraud XX/XX/XXXX {$470.00} plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX TOTAL {$890.00} '' ) see attached XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS. see attatched XX/XX/XXXX REVIEW OF YOUR CLAIM IS COMPLETE USAA Confirms ( **10 TEN DAYS LATER *No Fraudulent Activity Found After Review Your Claim. ** )?? Ten days eariler USAA CONFIRMED TO AUTHORITIES CFPB FRAUD {$890.00} was REPORTED. USAA charged off this account DESTROYING MY CREDIT FALSELY. I discovered THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT VERIFICATION MY 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 2022-04-24
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.

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. 

XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX Bank XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Auto - Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently reviewed my credit report, This account was opened without my authorization. I would like to receive all the paperwork at the time or opening the account including a copy of the identification.

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 2022-06-27
Company: Key 2 Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
key2recovery.com keeps calling me asking for my brother after I have told them numerous times I am not him and have told them numerous times to stop calling or I would report them for harassment. it's ridiculous they are calling my brother isn't even out of college yet and doesn't have to start paying on his XXXX  loans until XXXX and they are already trying to call him harassing me in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone from Texas has used my name to set up a utility account and now the bill showed on my credit report and is damaging my credit. The below was provided and I was asked to provide a record of proof of my address which I have. 
Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX  Date Assigned XX/XX/2022 Original Amount Owed {$470.00} Amount {$470.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 Comments AFFECTED BY NATURAL DISASTER Contact TRANSWORLD SYSTEMS INC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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 Account # 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 2022-06-27
Company: Navient Solutions, LLC.
State: OH
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:
I received another email by Navient on XX/XX/2022, after I made efforts with my loans actually, legally, in XXXX. " I am missing several payment credits '' for FEDERAL LOANS. I PAID IN FULL, loan XXXX in the amount of the total current balance due for XXXX. I am missing XXXX credit with Navient confirmation payment XXXX. In addition, I made a small payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is Navient confirmation XXXX. I also paid off 2 PRIVATE LOANS through XXXX XXXX. I spoke with " XXXX '' at Navient XXXX XXXX department over two weeks ago to confirm the settlement. My account still shows I owe for all these payments. There should be no balance or default status in my Navient web account, Signature Student Loan XXXX, XXXX, or XXXX. Navient gave my forgiveness for loan. Please see the attached Navient email, speaking the untruths about my false neglect. Please see attached file from XXXX XXXX of settlement. I paid the private loans in XX/XX/2022 to get the " default '' status off my credit report. So I paid on private loans in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan payments doubled this year from roughly XXXX to roughly XXXX. I am a XXXX XXXX  and have been making my payments for the time I've been in XXXX  XXXX. This is not counting the XXXX  years I made massive ( XXXX $ XXXX ) payments and never was able to touch the principle amount due to the predatory interest rates. I called the company ( XX/XX/XXXX ) to attempt to work with them to lower the payments while I'm in school for the rest of this school year ( XX/XX/XXXX ). I was told ( my an incredibly rue and condescending manager ) that the loan ran out of in school deferment and that they only people who qualify for in school deferment extension are XXXX XXXX  students and " people who can write a prescription '' despite my program being longer than law school. Apparently Navient doesn't consider XXXX programs to be as important as law school. I explained that there is no way I can afford almost XXXX $ a month since my entire stipend is only XXXX a month and I have a child and an elderly parent I provide for. The manager 's response was to " figure it out. '' I was also asked " if there is any reason my cosigner can't help '' despite the company having record that he died almost a decade ago. I know they have that information because they threatened to sue my grandmother for money despite the fact that I have been making full and on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
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:
I am writing to dispute the following information that your company supplied to [ EXPERIAN, XXXX, XXXX. I have listed the items I dispute on the This item hard inquires from XXXX  XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - XXXX XXXX XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - 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
Consumer complaint received 2022-09-20
Company: Duvera Billing Services, LLC
State: CO
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 contacted XXXX, XXXX, XXXX as well as the collection company XXXX XXXX XXXX XXXX about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. XXXX XXXX has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage serviced by US Bank. The mortgage servicing includes escrow services. On XXXX I sent the my city tax bill for {$1000.00} which was due on XX/XX/XXXX. On XXXX I mailed them my county tax bill for {$6100.00}, due XX/XX/XXXX. On XX/XX/XXXX I received a delinquency notice from the city that my {$1000.00} bill had not been paid and they were assessing {$100.00} in penalty. I called US Bank that day and was told that they would research my case and give me an answer no later that XX/XX/XXXX. They told me on that phone call that payments had been made on XX/XX/XXXX for {$750.00} and XX/XX/XXXX for {$4200.00}. Both not the amount of my tax bills, likely bills for another property. 

The XX/XX/XXXX date for response has not been met and both bills are unpaid. I have penalties imposed and I worry about where the {$750.00} and the {$4200.00} were applied. I am 62 years of age, a CPA and have never paid a bill late in my life.

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 2017-08-12
Company: EQUIFAX, INC.
State: NC
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:
fraudulent account, XXXX XXXX XXXX ,XX/XX/XXXX2010, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$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 explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXXExperian not blocking these accounts is inadvertently resulting in me being extorted.

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 2020-04-16
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:
I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: LEXISNEXIS
State: TX
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:
Their is a US Bankruptcy Court XXXX XXXX on my credit file. In XXXX of XXXX, I asked XXXX to do a reasonable investigation. XXXX did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked XXXX to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. XXXX receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. XXXX verifies its information with LexisNexis. Both, XXXX and LexisNexis admit to working in conjunction with each other. This why XXXX didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( US Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the US Bankruptcy Courts of XXXX proving XXXX has been violating my rights as a consumer. I have a letter from XXXX stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from XXXX not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from LexisNexis proving they provide XXXX with information as a third party vendor for bankruptcies. 

XXXX XXXX did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Problem with XXXX and ford motor credit. This dept is going to be XXXX XXXX XXXX, ford reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, XXXX  is another complaint. The Statius of this credit card changed when ford motor reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: GOLDMAN SACHS BANK USA
State: CA
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:
{$100.00} was charged by a company XXXX on XX/XX/XXXX. I filed a dispute on XX/XX/XXXX as I have to my knowledge never conducted business with a company called XXXX. Goldman Sachs rejected my dispute without sending any follow up information that supports the charges legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: LEXISNEXIS
State: MO
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 and Lexis Nexis have both, without permissible purpose, attained, retained, maintained and sold my personal information personal information which is against the laws states in the FCRA - Fair Credit Reporting Act. 

To note : XXXX states that they are not a CRA XXXXCredit Reporting Agency , and are not obligated to abide by the laws of the FCRA - Fair Credit Reporting Act. Yet by attaining, retaining, maintaining and selling consumer information XXXX is operating as a CRA and continuously acting illegally as a CRA with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I obtained financing through XXXX XXXX. They processed the loan through multiple lenders. I was ended up getting the loan from XXXXXXXX XXXX XXXX  in XXXX, MI. Meanwhile, all of these other inquiries are on my report for a single loan. I never authorized these multiple inquiries.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to freeze my credit with Experian to no avail. The imposter posing as me and applying for dozens of fraudulent loans also created a fraudulent account using my name, my social security account, but the wrong email ( the email she used is slightly redacted but i've attached a screenshot of it ). I am unable to get a hold of Experian in any way ( have tried calling and emailing ) but no representative is accessible. They only have robots. Please help!!!

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