BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores XXXX # XXXX XXXX ) XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) I XXXX XXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Management by way of XXXX XXXX contacted me about a cable bill that was due upon disconnecting services. I paid the balance down to {$0.00}, however, the account is still showing as a collection on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$13000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. To my knowledge, I have never had owed money to Bank of America. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from Bank of America including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my XXXX report. 

I have attached documents to verify my identity

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 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

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 2020-02-12
Company: EQUIFAX, INC.
State: MD
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:
After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX  XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX XXXX. Bank XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX   XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against Navient reporting inaccurate information to the credit bureaus. The report dates are as follow : XX/XX/2015, XX/XX/2015, XX/XX/2015 XX/XX/2015 I was receiving XXXX XXXX  assistance at that time and I contacted the loan provider about this issue. I was later put on a forbearance, which I have incurred a lot of interest. I was not given information concerning, IBR until last year. These late reports are hindering me from acquiring a permeate home for myself and my kids. I would like for these dates to be removed from my credit report. I would also like an investigation done in regards to the interest that I have accumulated by being in deferment and forbearance,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: IL
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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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 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 2022-06-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act US DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This compliant is regarding numerous letters mailed and faxes to Transunion, XXXX, and XXXX Credit Bureaus since XX/XX/2017, I have kept documentations on when letters have been mailed and when they have been received by Transactioins. In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts # XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote Transunion, XXXX, and XXXX  about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.

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 2022-10-06
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX my email is XXXX on XX/XX/XXXX I reported a complaint to XXXX XXXX XXXX for identity theft because someone opened an account with my information without my consent and brought the total bill that they mailed me of XXXX Im writing because I was honest about this and they are still sendin on me documents stating to pay the balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX called me regarding a check n go payday loan from years ago. They sent me a verification letter of debt attached below with the wrong address. I was scared because they kept calling and insisted they can lower the debt and I only have to pay {$1000.00} instead of {$3700.00}. I just cleared the loan in XXXX and tried to call back this legal mediation company through all the numbers I can find starting off with the number provided to XXXXXXXX XXXX and then the one on the letter. It advises to leave a message. I left a message two months ago and there was no response. I am trying to retrieve a confirmation notice stating the debt has been resolved. After searching the company online and reading through that this company is fraudulent and a scam, I feel the need to report them because this is not fair. I paid my debt to scammers and we need to put an end to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions

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 2019-11-25
Company: Van Ru Credit Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I've asked them not to call, also informed the receptionist not to contact me at work and relay that but they continue to call my work place after asking multiple times not to. Also received automatize calls to work saying it is " Kelly Smith '' trying to contact me ( XXXX XXXX ) and jams the work office number and am getting in trouble for it at my place of employment. The continue to call despite all my efforts to stop them from contacting me there. Not sure who the person is or what type of debt as they just autodial my work office number.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-09
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:
XX/XX/17 - Reading a learning what i will need to do to protect myself after the recent hacking of Equifax. I do not know how much time and effort this will take and i 'm very scared about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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 is missing that should be on the report

Complaint:
Hello, I have 2 companies XXXX XXXX and XXXX XXXX  who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage Was Sold to XXXX XXXX XXXX in XXXX and they took it upon themselves to set up an Escrow Account on this Loan to collect for Property Taxes. I have called several times to get this removed. I pay the Property Taxes directly and Now they are stating they need to order an Escrow analysis to be able to remove the Taxes. An Escrow account is NOT a requirement for this Mortgage. I am an Escrow officer and I know how the works. I am truly Disappointed with the company and how they are servicing my loan. I received the Tax Bill in the Mail and it is not showing that it is being escrowed. XXXX XXXX XXXX never Notified the Tax collector that they were planning to pay the Taxes. So I am not only upset, but wondering where my money is going?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  account as reappeared on my credit file account number XXXX .I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please be advised of my ftc report for you to remove the unverified accounts listed below that remain on my credit report in violation of U.S.C. 1961. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these account : How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?

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