BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a certified letter to equifax over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,15 U.S.C 1681g, I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA 15 U.S.C. 1681i all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX No documentation was mailed to me that was in your file. The 45 day period has expired and by law these accounts must be deleted. Just sending a letter stating verified is not enough. I requested documentation. I did not received a single documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Performant Financial Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received notification from Performance something company that they were withholding my income tax return for a fraudulent amount owed to XXXX during the COVID-19 ordeal. I am in Louisiana and this is not allowed nor is the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is the third time I am writing to complaint about Bank of America. They have not responded to my claim in the past. The only response is that the case is closed. They have not credited the total amount that was stolen from my account. 

I took the time to check all the withdrawals that were made when my identity was stolen and we have an US {$11.00} in my favor that was not credited and in consequence was not reimbursed. 

The day XX/XX/2020 I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of US XXXX was reimbursed to me. The additional sum of US {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/2020 was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are US {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/2020 {$20000.00} XX/XX/XXXX to XX/XX/2020 {$6.00} XX/XX/XXXX to XX/XX/2020 {$920.00} XX/XX/XXXX to XX/XX/2020. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names.

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 2017-05-22
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage for an investment property was with  XXXX   XXXX . We recently had some financial difficulties because my wife was on   XXXX   XXXX    XXXX  and I ended up having to have emergency   XXXX    XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months.      XXXX   XXXX  sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it  )  I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept  one  dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now  ),  and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22.     I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind.     Do I have no recourse in this situation?     Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX dispute letter, FTC, and Identification documents attatched.

Pursuant to 15USC 1681i company has 30 days to respond.

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 2017-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Rosebud Economic Development Corporation
State: IA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Money was supposed to be withdrawn on XX/XX/XXXX, but instead was withdrawn on XX/XX/XXXX resulting in an overdraft fee. Also, lender is not licensed in the state of Iowa.

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 2022-05-05
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:
In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act XXXX 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 2020-04-06
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a BrinksPrepaidMastercard that I didn't apply for. Tried to call and question company about receipt of same, and automated system asked for my social security number or the card number. I don't want to accidentally activate the card by providing the number.

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 2022-09-13
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:
My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my 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 2017-03-22
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent me to collections with Franklin Collection Services based on a {$25.00} debt I do not owe on an account I closed over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Ad Astra Recovery Services 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: Account status incorrect

Complaint:
On XX/XX/2020, in the amount of {$1500.00} to XXXX XXXX XXXX XXXX. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to Ad Astra. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: NY
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:
After reviewing my Experian credit report, i noticed that there is a credit inquiry on XX/XX/2020 by XXXX, which i have no clue. I never authoried such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

INQUIRY DETAILS : Company name : XXXX Inquiry date : XXXX, XXXX, 2020 Company Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, ND XXXX. 
Telephone : 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 2015-08-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX account that claims I have XXXX % utilization or XXXX/XXXX where it should beXXXX/XXXXI have a XXXX account that says I have aa XXXX % utliztion or XXXX/XXXX where it should be XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are serviced through Navient. I was enrolled in an 18 month payment program in XX/XX/2015. I was to set up 18 months of payments at that time and to indicate the days the payments were to be deducted from my account. The main idea behind enrolling in this program was to help me become current with my loans. Everything went fine until I checked my credit report and found that the funds were misapplied and as a result it showed that I was delinquent on XXXX loans for 60 days ( it was reported in XX/XX/XXXX even though I had been making payments in the program since XX/XX/XXXX ). This affected the credit of both myself and my co-signers. To make along story short, I asked for them to look into it and reverse the delinquency but was first told that it was correct and there was nothing they could do. I received no notice ( though they said they sent something ) that they will not reverse the decision. Then I had to call and plead my case for several hours and finally was able to talk to someone. After this they reversed the decision but this is still going to show up on my credit report when it should n't have been there at all. This will affect me for the next 30 years as I buy a house or try to obtain credit for other purposes. It makes me wonder what other payments have been misapplied or otherwise mishandled leading to penalties or other financial ramifications. I add this in the hopes that it will further the case with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-05
Company: EQUIFAX, 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: 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 U.S.C. 1681.

US DEPARTMENT OF EDU XXXX Has violated my rights US DEPARTMENT OF EDU XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX 
XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a bank account with Bank of America via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.

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 2022-05-05
Company: NAVY FEDERAL CREDIT UNION
State: OK
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:
On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all 3 credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has 11fraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2016-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well

Company response to consumer: Closed with explanation