BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-08-22
Company: EQUIFAX, 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 {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 2022-06-08
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed school on XX/XX/2022. Shortly after, my Sallie Mae account said I had a grace period of 3.5 years to pay back my loans. I was never goven a reason of why it said this, or any sort of explanation. I tried contacting Sallie Mae through their website chat feature as well as directly calling them. Both options said the line is busy and they can't help me. There was no way for me to contact them, and they were offering false information on an account which is illegal. I submitted a complaint to the CFPB, to which they responded giving no explanation or resolution for the matter. The problem was not even changed until months later, when my account was corrected saying the actual 6 month grace period. Now, when I open my account, the grace period has been changed again, and it now says I have until XXXX until my repayments start. Again, I tried to contact Sallie Mae using both of the methods they provide, and yet I was stuck with the same issue as last time. I am unable to contact this company, and they continue to illegally provide misinformation on my financial account. This is a huge issue and not something that can keep happening. The first time it was a mistake, the second time its a problem. If no resolution is offered, I will be taking this matter to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: NC
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX 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 an 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 2022-08-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I paid XXXX for the car I took the loan out for with Santander bank and was told none of that money went towards my car payments. This bank caused me to be arrested because they contacted local pct and said to them my car was stolen secondly I kept getting harassed by the police and followed everywhere I went. This bank has also caused me my education and reputation because after arrest I was not accepted to finish my last semester of classes. Thirdly, harassed at my job by calling having individuals that were my higher ups fire me. Contact my housing and had my rent raised to the same amount as my mthly payments. I live in income based housing while I went to school and built myself from being in a family shelter with my children. A class action lawsuit was taken out and they lost forgave everyones loan and they still have that I owed them {$30000.00} way more then the car was worth and plus not adding the money I paid on the car on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical bill from XXXX XXXX dated XX/XX/2018 was written off through XXXX both from the hospital and the attending physicians. The original credit XXXX XXXX XXXX also wrote off this bill to XXXX and they sent an email on XXXX to ARS telling them that the debt is not owed and to remove the debt from my credit reports. ARS continued and continues to report this debt as VERIFIED AND ACCURATE AND CONTINUES TO REPORT FALSE INFO TO THE CREDIT BUREAUS. I have disputed this account many time and they continue to cause me great emotional harm and financial harm. I am now seeking attorney advise on possible lawsuit. I do not owe this debt and it should have been deleted already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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 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 2022-12-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I received a message on my phone claiming to be wells fargo. they wanted me to review suspicious charges on my account. knowing that these calls can be spoofed I hung up and called wells fargo. while the wells fargo support person was looking into my account I notice that {$4000.00} was transferred to my account from my wife 's account, and then my whole account was drained of {$10000.00}. I made them aware of the transaction immediately and started the process of opening a claim to retrieve my money. Wells Fargo then gave me a case number and opened two new account numbers for me and my wife and closed the original accounts. the case was denied and I was told that the reasoning is that they said I was the one who did it. which in no way is true. they literally got every penny I have leaving me without a way to support my family. when I got the letter saying the case was denied, I requested that they reopen the case and escalate it to XXXX. they even went to the extreme to blame me for the transaction. they took over three weeks to resolve it again and once again they denied it. I was not given the courtesy of a phone call that was promised to me which is very unprofessional. I am unwilling to forfeit what seems like a non important amount to a XXXX dollar company. I am ready to take this to a lawyer, but id rather fix it at this level. I beleive all Wells Fargos calls are recorded so they should have the call I made initially to try and stop this from happening recorede. Im looking to have this resolved immediately.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is inaccurate! I was never been late on this account! I always pay it on time. This is a misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Medical Data Systems, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company, in conspiracy with XXXX XXXX XXXX, for over three years, continues to fraudulently and falsely report a collections account and defame my character, alleging that I owe an amount which was covered by insurance. I continue to suffer as a consumer from this fraudulent and false reporting. Please see attachments.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX CARD Services Account # XXXX 2025 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-22
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a trash collection company that I contracted with by the quarter. My last quarter contracting with them was XXXX, XXXX, XXXX of XXXX  and it was paid in full. In XXXX I sent written notice to three different addresses informing them that I would not renew for the next quarter and I have contracted with another trash collecting company beginning on XX/XX/2022. The former trash company, XXXX XXXX, hasn't picked up my trash since XX/XX/2022 but they are been billing me {$84.00} for the service XX/XX/2022 through XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agent Transworld Systems Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: NFM, INC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, by telephone, with an NFM live representative, I paid {$2200.00} from my checking account. 

On XX/XX/XXXX, XXXX for the third time, distributed a check for {$2000.00} ; it was finally credited to my account on XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX disbursed two checks to NFM. The first check for {$1100.00} and the reinstatement check for {$6800.00} On XX/XX/XXXXXXXX XXXX  XXXX disbursed a check for {$1100.00}. 

This is a total of {$13000.00} that NFM has received it. Several checks may not have come broken up into the suggested monthly increments. However, they received the funds and did not distribute them where they needed to, which is to my mortgage. In addition, they continue to report to the credit bureaus that my mortgage is late, which at this point, is impossible. XXXX was the first month my mortgage was in arrears. My payment of {$2200.00} covered XXXX and XXXX. 

XX/XX/XXXX - {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} w/out late fee XXXX XXXX My mortgage increased to {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} Total amount due and paid : {$4400.00} {$13000.00} ( total money disbursed to NFM ) - {$4600.00} ( XXXX Mortgage ) = {$8500.00}, the total amount of money to NFM and NEVER applied to my Mortgage. 

Moreover, I am being transferred to another XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604 ( a ) Sec ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2023-12-01
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I outreached the student loan serving company and applied for forgiveness and was unable to get balance information, transfer of debt and regarding if approval was granted. 

There is a discrepancy in loan payment, loan amount and balance. I was also wrongly denied for student loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit file 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 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

Company response to consumer: In progress
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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:
Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCCOUNATS XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened ( 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief