BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my SEVERAL endeavors 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXe : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Affirm Holdings, Inc
State: LA
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:
XXXX XXXX XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase XXXX : {$560.00} Loan Amount : {$530.00} XXXX XXXX XXXX XXXX Term : XXXX Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 


I was told this would be removed once Account was paid I have paid this off and I was provided a paid in full letter but they will not remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRUIST FINANCIAL CORPORATION
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:
Regional Acceptance ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX credit inquiries that were not authorized by me. 

XXXX XXXX  XXXX XX/XX/XXXX This inquiry is 22 days away from it been 24 months and would like to start the process of removal.

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 2023-07-03
Company: Nelnet, Inc.
State: MI
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:
I am writing to express my deep concern regarding your unauthorized access to my personal information without my consent. I would like to bring to your attention that I do not have any contractual agreement or affiliation with your company, yet you have accessed and reported information about me to XXXX. 

This unauthorized access to my personal information is a direct violation of my privacy rights as guaranteed by the laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. According to these laws, companies are required to obtain proper consent before accessing and reporting personal information to credit reporting agencies. 

I demand that you immediately remove any and all references to my account from XXXXXXXX XXXX report, as this information was accessed without my authorization. Failure to do so would further demonstrate your disregard for my privacy rights and may result in legal action for FCRA violations. 

I expect Nelnet to take this matter seriously and rectify the situation promptly. I also request that you provide written confirmation of the removal of this unauthorized account from my XXXX report. 

Please be advised that any failure to comply with these requests will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA and other applicable laws. 

There are 12 accounts reporting on my Consumer report that I do not consent to. I demand removal immediately. 

I trust that you will address this matter with the urgency and seriousness it deserves. I eagerly await your prompt response and a resolution to this privacy violation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield & Associates I has violated my right to privacy as well as violated the FDCPA 1006.30a by parking this alleged debt on my consumer report. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested a credit report due to suspicions of fraudulent activities. I found two accounts with adverse information. One is from XXXX XXXX, with the loan type being RENTAL AGREEMENT, from Georgia, a state in which I've never been to nor have any financial dealings with. The other account is from Security Credit Services, a collection company with the original creditor being XXXX XXXX none of which I've even heard of. I believe this is the result of identity theft, and would like the situation to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am late making my payment I was trying to go into forbearace so that it would not show up on my credit report. They told me i was not able to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX 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 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 FCRA this is account violated my rights.

15USC 1681 604 A Section 2 : states a consumer reporting agency Account without my written instructions 15 USC 1681 section 602A : States I have a right to privacy 15 USC 1666B : states a creditor may not treat a payment on a credit card as count under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, PORTFOLIO RECOV ASSOC Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX. Contact me, stating they were of Govment agency and that I would have an arrest warrant sent to me if I didn't pay them or make arrangements to do so. I owed a debt to their client, and they would arrest me if I didn't pay or negotiate with them. 
After Speaking clearly to them, I asked them to remove my phone number do not contact me anymore after that, asking them if it is, in fact, indeed my debt to please send an original copy of the account from the original debt and a signature and address and transaction of the report, I spoke to a rep over the phone at XXXX XXXX on XX/XX/XXXX, the rep stated that the account was open XX/XX/XXXX address was XXXX XXXX XXXX XXXX XXXX, I have not lived at that address and do not know if anyone in that area. This account was open and fraudulent and is not associated with me ; however, the agent stated she could not send me the document in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: NAVY FEDERAL CREDIT UNION
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:
I have a lot of closed accounts showing active. They are still reporting each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, CA XXXX XXXX XX/XX/2023 Dear XXXX, I am writing to dispute the account listed on my credit report with the account number XXXX. I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1666B of the FCRA states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have not authorized the account in question to be listed on my credit report, and I have never been late on any payments. Therefore, I request that you immediately remove this account from my credit report. Please provide me with written confirmation that this account has been removed from my credit report. If you are unable to remove this account, please provide me with the name and address of the creditor so that I may contact them directly. 

Thank you for your prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX References : Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
I have sent several inquiries however they keep coming back as verified or have received letters informing me that they commend me for my efforts with trying to clean up my credit however I needed to call them and then they add additional supplemental information to my reports and state they are verified. Information gets taken off then 2 months later the same information returns more-so from XXXX. 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 681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 antedates item of information, other than records of convictions of crimes which antedates the 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: DC
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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX, XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A friend sent me money in which I attached all receipts for a trip as seen on the receipts attached. From her phone number etc. We then chose to cancel an I advised once I received funds back she would be refunded. She chose to report fraud instead of awaiting the refund. My bank without researching calling me etc just put fraud on my XXXX account and close permanently. Staying confirmed fraud. I said how was that confirmed I was contacted no one asked me for documentation like a regular investigation. They were just aggressive and told me it was permanent dosnt even try to fix it when I advised I had proof this not fraud. I put a lot of money is this account monthly. See attachments it was clearly sent from the sender XXXX on her own free will thats not fraud. Her requesting a refund is not fraud I have to process her refund from XXXX nothing to do with my bank or XXXX. But my bank stated they confirmed fraud how and where. My bank can confirm both of these ladies sent the money only one lied on it being fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: FIRST NATIONAL BANK OF OMAHA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received Email credit card promotion from FNBO Bank on XX/XX/23. Email advised to click " activate now '' in order to accept/activate offer. Link was invalid. Logged directly into FNBO account to attempt acceptance. No such option existed. Contacted customer service and they acknowledged the problem and would get back to me. No response. Called again on XX/XX/XXXX and again was advised " we are aware of the problem '' and will have to manually add this promo onto your account. We will contact you. No response. Contacted FNBO customer service again around XX/XX/XXXX and spoke with a manger. He left me a vague message and then never returned any further calls. The message again was to click on the link to activation. The email link for this promotion has never worked so there was not any way for me to activate such offer.

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 2023-07-05
Company: Village Capital & Investment LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company the complaint is about is Village Capital and investment of XXXX NV. They informed me the XXXX  week in XXXX they did not receive my XX/XX/XXXX Mortgage payment. It was lost in the mail, they wanted a payment of {$1900.00} as of XX/XX/XXXX, said they were going to inform the credit union 's of my default and start foreclosure procedures. I feel they are trying to force me to commit to signing up for auto pay direct as my payment coupons are rarely received before the first of the month.

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