BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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. The List of accounts below has violated my federally protected Consumer Rights to Privacy and Confidentiality under [ 15 USC 1681 ] - Title 15 Section 1681, XXXX  Account ( s ) : ( XXXX XXXX, XXXX XXXX XXXX | XX/XX/2020 ) has violated my rights : 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 

XXXX5 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C. 1681s-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. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. 
( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.

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 2022-05-23
Company: EQUIFAX, INC.
State: GA
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:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XXXX XXXX  Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX DELETE this account. XXXX XXXXXXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. DELETE this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SIMM Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Global Payments Check Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a negative account from this company XXXX XXXX XXXX for {$1100.00} it says the original creditor is 'XXXX XXXX XXXX XXXX ' on my XXXX and XXXX credit reports i do n't know where this is from whenever ive tried to contact the company to get verification of this debt i get no response ive tried disputing it to get verification of this debt in writing but still they refuse to comply i want this account removed off my credit reports as they can not verify this debt with me and never notified me about it i dont even know what this negative account is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
i found a few unauthorized inquiries that are not connected to any personal business on my credit report i am not doing business with any of these companies on this ftc report. i spoke to the bureaus multiple times they see these inquiries do not belong to any accounts on my report at all and refuse to assist.

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 2022-08-28
Company: EQUIFAX, INC.
State: LA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts are listed below XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

Company 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 2022-05-23
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: Account status incorrect

Complaint:
As recently as, approximately XX/XX/XXXX, I have disputed a charge card by XXXX Department store. I was never late and paid balance in full a little over {$430.00}, however, my credit report shows paid on time for years, and then a charge off. I never had a balance and even reached out to my banking institution to retrieve debit payment archives, that the bill ( not debt ) was paid in full and in a timely manner, versus what is being reported. My credit report shows false information and a now charge off. I continuously reach out to Experian, in particular to dispute the information, however they recently updated my credit report as a charge off with XXXX that wasnt reported in previous reports. I went inside the XXXX location in XXXX Texas to close the account personally on or about the year 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 2020-09-27
Company: Phoenix Financial Services LLC
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 identity was stolen and many accounts was opened in my name without my Authorization. 
Ive been trying to take care of this issue for a long time and Im getting the same results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
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. The List of accounts below has violated my federally protected Consumer Rights to Privacy and Confidentiality under [ 15 USC 1681 ] - Title 15 Section 1681, XXXX XXXX ( s ) : ( CITIBANK NA, BEST B XXXX | XX/XX/2020 ) 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. 

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

15 U.S.C. 1681s-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. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. 
( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2022-10-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i found a few unauthorized inquiries that are not connected to any personal business on my credit report i am not doing business with any of these companies on this ftc report. i spoke to the bureaus multiple times they see these inquiries do not belong to any accounts on my report at all and refuse to assist.

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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.

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 2016-05-18
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX at XXXX as a result of our yearly audit and find that ultimately we paid {$91.00} in late fees for account statements that were never sent to us until the Bank wanted to collect {$99.00}. I reported this to the Bank at the above Number on XXXX/XXXX/XXXX. They claim they did send the bills and claim that they have the tracking numbers from the XXXX XXXX XXXX. I checked my account on line on XXXX/XXXX/XXXX and there are no statements in their system that they claim were sent to me. I asked them to send me the tracking numbers and they refused. I demanded a refund of the late fees due to improper billing. They refused. I demanded that my account be immediately closed. All in all I charged a total of {$14.00} and then had a credit of {$5.00} for a grand total of {$8.00} as of XXXX/XXXX/XXXX. 
I work for the Federal Government and we are never late paying bills. The blogs on line about XXXX XXXX XXXX are terrible. They are selling credit cards through XXXX XXXX XXXX XXXX and are getting away with Fraud through their own internal negligence. Many others are having similar problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: PA
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 below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of information. Other than records of convictions of crimes 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 A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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