BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: AR
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:
Despite previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with the Credit Reporting Act, Sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With that, I am asking for your help to correct the following late accounts : DEPT OF ED/XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Opened XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
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:
My XXXX was compromised and someone accessed my bank account and was withdrawing money slowly so I did not find out of the hack. The hacker was withdrawing money around XXXX to XXXX when I was sleeping. They were buying something on a website called XXXX. The used an old ID to request loans that were denied thankfully. I contacted Wells Fargo to file a claim. They closed the case without even reaching back to me. They did not give any details of the claim, they just closed. I called them back because it has been a week since I first contacted them, and that is how I found out the claim was closed.

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 2022-10-19
Company: EQUIFAX, INC.
State: AZ
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Affirm Holdings, Inc
State: MS
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: Investigation took more than 30 days

Complaint:
have contacted affirm to get them to help me log into my account SO I CAN PAY MY BILL AND KEEP MY CREDIT RATING IN GOOD STANDING,,,,, PLEASE HELP ME,,, I CALLED THEM AND YOU CAN SEE IN THE FILE THAT I UP LOADED TO YOU,,, I CALLED THEM AND STILL CAN NOT LOG IN TO MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 2023-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I received a deposit for a {$2000.00} Plus a deposit for {$1600.00} that's {$3600.00} I was also in the negative for a claim reversal of XXXX claim of XXXX and the same XXXX as explained for my deposit on top was still subtracted out of my balance once my claim credits hit still subtracting XXXX from that that was also found to be a error on Wells Fargo card so I was credited {$2000.00} + {$1600.00} and I only received XXXX they still took out XXXX when I was supposed to only be XXXX dollars negative meaning that the same cell clean I was in a negative that got reversed cuz they made an error was not returned correctly so my account stayed negative and funds was deposited still deducting the XXXX out of my balance for the same claim that was reversed in my favor so I paid the claim twice and they close my account account number 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 2023-06-08
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX. This address belongs to Georgia XXXX XXXX XXXX. 
Sequium Asset Solutions , LLC Sent a bill in attempt to collect a debt of {$100.00} claiming to represent XXXX XXXX XXXX Date of letter : XX/XX/23. I contacted XXXX formerly charter communications directly. I am not an account holder. Spectrum has no knowledge of this alleged account and does conduct business with the debt collection agency XXXX XXXX XXXX, XXXX. This information was verified by XXXX customer service and billing department. This is a fraudulent attempt to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am not sure anything has happened but if possible I would like someone to review my loan and my payments to see that Navient has been applying my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2022, I received a call from a representative at Greensky in response to a letter I sent in XXXX. The case reference number for that letter was XXXX. The representative that called me informed me that I needed to speak with a manager to discuss the settlement offer I made in the letter. 

He gave me a number to call and I spoke with a representative by the name of XXXX. This call was made XX/XX/2022 at approximately XXXX XXXX. c.s.t. The call was recorded, and I do have the audio file. I have attached a copy of the document she emailed me to ensure me she was referencing the correct account. 

XXXX informed me that there was no need for the settlement as this account had a XXXX balance. She verified the account more than once to be sure we were referencing the same account. She sent me an email the next day to confirm that we were in fact speaking about the same account. 

I now see a new account balance of {$47000.00} as well as additional interest charges assessed in the month of XXXX. 

I moved forward in good faith relying on information that was given to me by a member of your management team and now it appears Greensky is reneging on what was reported to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have loan with SHELLPOINT MORTGAGE SVC. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NM
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 am submitting my complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are names and addresses on my credit report that arent belonging to me, I would need to seek an immediate correction. 

My correct name is : XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Account status incorrect

Complaint:
It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate info on my credit report and file, however they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. 
Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as ato transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 USC 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputations severe harm and discrimination.

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 2022-10-19
Company: EQUIFAX, INC.
State: IL
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:
I have disputed this XXXX XXXX account as fradulent in the past. I also disputed this account as a closed account. The account was then reported as closed but the balance was added to my revolving credit balance, which is wrong. For some reason, XXXX XXXX is reporting as an active revolving line of credit. XXXX  XXXX is a closed, charged-off line of credit. I am not currently employed by a company, so I am not able to pay the debt at this time. This account is in fact closed and nonrevolving none the less. I can work out repayment with XXXX XXXX Bank when I have consistent income and is gainfully employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX : 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 explanation
Consumer complaint received 2022-10-19
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 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 XXXX : 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 2023-07-02
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 : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg 86 ) Acct XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on XXXX Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on Equifax & XXXX unable to contact me Acct XXXX XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct XXXX XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy. 

15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing ant of the following items of information any other adverse item of information, which antedates the report by more than seven years.

15 U.S.C. 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2023-07-02
Company: EQUIFAX, INC.
State: MS
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX balance XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: PA
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 the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : XXXX30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.

Company response to consumer: Closed with non-monetary relief