BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
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:
Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Credit Report Credit Summary Personal Information All Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Derogatory Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Public Records XXXX XXXX ) XXXX ( New ) XXXX ( Deleted ) Late Payments ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Inquiries ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXXXXXX XXXX XXXXXXXX New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : EXPERIAN BUSINESS CRED New Type Of Business : Credit Bureau Inquiries Date XXXX XXXX : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXXXXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, XXXX XXXX EXPERIAN permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

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 2022-07-31
Company: CITIBANK, N.A.
State: IN
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:
Received my credit card statement from Citi and a charge for {$7800.00} was listed on XX/XX/2022 for a company called XXXX out of XXXX XXXX XXXX contacted Citi customer service and notified them that my card had been hacked it appeared.They went through my charges and found where whomever had hacked account had tried to charge the same amount a week later but had been red flagged and never went through the second charge.They referred the case to their fraud dept for review.Someone contact me and asked several questions in regards to my card XXXX noticed when receiving my recent statement that they had added the charge back on to my balance after it had been removed.I called Citi back and notified them about the issue and asked why it hadn't been resolved.They said it would be resubmitted to fraud dept.I haven't heard anything since this response. 
I contacted the company XXXX concerning the fraud charge and last e-mail wasas follows XXXX XXXX, Thank you for your patience! 

You are receiving this automated email as your request is currently with the XXXX XXXX XXXX XXXX team and youve been waiting several days for a resolution, likely beyond the original expectations provided to you by our support staff. 

Your business matters to us and were diligently working through an increased number of requests at this time. There is nothing more you need to do on your end but we wanted to assure you that your request is still active and we will address it with the same urgency and importance as the merchants were currently helping. 


I would like to have this pursued by the CFPB and get this fraud claim resolved Thank you 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 2022-12-08
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2017, Iowa Student Loan reported me as being 60 days late. Prior to the reporting, I was in a forbearance with my loans. I never received a written, phone call or e-mail notification that my forbearance was expired. If you look at my credit report, you will see I never had any other late payments with Iowa Student loan XXXX Aspire Servicing Center ). I have tried unsuccessfully for years to have this removed from my credit reports. Because XXXX reports separately, I am showing a 60 day late 6 different times. I am requesting to have the 60 days removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached documents, also pursuant 15 USC 1666 late payments should not be reported so I am requesting late payments be removed from my consumer 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working with a mortgage lender to get pre approval. They were not able to pull my Equifax report citing a No hit after calling Equifax customer service they said it was a problem with a fraud block when none exisitedI sent in the required paperwork XXXX weeks ago and they repeatedly state they have not received it. I have made repeated calls and they insist that there is no reason why my lender can not pull my report yet my lender can not gain access. Calling customers service has not solved the problem. All I get is the same generic script saying I need to send in documentation that verifies already correctly stated information on my report. The lack of solutions is impacting my ability to access credit, and adversely impacting my life by not allowing me to access housing. The lack of care shown by equifax has been disheartening and if this issue is not resolved by the soon I will have no choice but to seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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:
See attached documents, also persuant 15 USC 1666 late payments are not to be reported so I am requesting late payments to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDM sent invoice to the wrong address using incorrect spelling of my name, stating I owe over {$8000.00} to XXXX XXXX. I contacted XXXX XXXX and they checked their records. They have no record of me ever having an account under my actual name, or under the name on the invoice provided by PDM. They also stated they do not use PDM, they use a debt collection agency based out of XXXX, NY, not XXXX, XXXX. I have never lived outside of XXXX. I have tons of proof I have lived in XXXX all of my life and at a single family residence, not an apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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: Investigation took more than 30 days

Complaint:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

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 2022-12-08
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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-09
Company: Spring Oaks Capital, LLC
State: NY
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:
Submitted disputes to all XXXX credit reporting agencies, in which a debt I did not recognize came back on my report. I sent a letter for debt substantiation directly to the debt collector listed with no response about said debt. In which the request for this information must be provided or the alleged debt shall be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email this morning that a checking and savings account were opened in my name with XXXX XXXX XXXXXXXX. This happened with Truist yesterday as well. Ive called both accounts to alert them and called XXXX to put a fraud note on my file. I saw on a website I should also report this to you, so I am doing so. If you need any other information please let me know.

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 2022-11-21
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management called my sister in law regarding my credit card debt on XXXX. My sister in law is not on any accounts of mine. They also attempted to call my mother the same day. XXXX  is not on any accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: RI
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:
REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit bureaus are not complying to the there policies and responding with verifiable proof within 30 days as required by there policies for disputes

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: VA
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 Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, XXXX and Equifax has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian needs to remove the false name " XXXX XXXX XXXX '' The only name listed should be my actual LEGAL birth name, which is correctly spelled : XXXX XXXX XXXX. Thank you. 

I tried contacting them via certified mail. They responded to me sayin this had already been corrected. Months later, it still has not. I pulled my report today XX/XX/2022 and they still have incorrect spellings of my name. For my safety and protection against further identity theft, they need to correct this. 

Again, remove the incorrect " XXXX XXXX XXXX '' and please spell my legal birthname correctly. XXXX XXXX XXXX is my only name. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis has incorrect information on me and my wife in their system which is causing me to be denied car insurance. They have us with XXXX  XXXX  on our records. We should only have " Not AT FAULT '' listings. Not at fault means that we did not cause the XXXX. Therefore this company is listing these XXXX incorrectly which is causing me to not be able to get insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX  balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation