BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
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 XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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 explanation
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX Mortgage refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for XXXX consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. 8 months later we were notified that the original mortgagor XXXX Mortgage filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX Bank. We wanted a 30 day close on the property but because of the mishap with XXXX Mortgage it reflects XXXX Bank. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX Mortgage while they were our Mortgagor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank has regularly and routinely deducted more than {$8000.00} from XX/XX/2018 honoring unsigned, unauthorized, counterfeit checks sent electronically to be paid to my Aunt 's checking account. My XXXX-year-old Aunt allowed me power of attorney and was recently declared incompetent. After entering her account, I discovered the check fraud, multiple claims were started in late XX/XX/2018, a police report filed, and investigation initiated. Surprisingly, Wells Fargo only returned the last 30 days of fraud that occurred in XX/XX/2018 ( estimated {$2000.00} ) and is attempting to collect the rest from those where they sent the money. A hold was placed on the compromised account permitting her fixed income to continue pooling and a new account established where I could transfer the fixed income to pay caregivers after the hold was temporarily released, then returned in 10 minutes. Some stolen money has been collected but more than {$4000.00} is still uncollected wiping out my Aunt 's account. My Aunt recently died destitute but shockingly, the bank allowed more counterfeit checks to be paid! That money was repaid, never once was I ( or my Aunt ) notified of any suspicious activity. I was IN the bank transferring funds when they allowed the last fraud in that 10 minute window! Another unsigned counterfeit check paid! I am executor for my Aunt and need ALL the money paid out to be returned to pay mounting debt to unpaid faithful caregivers. The bank is unwilling to do this and need your help to force them to pay back what they paid out in a reckless and unauthorized manner. HELP! My Aunt died destitute because of they negligent security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute   XXXX    XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: Navient Solutions, LLC.
State: OH
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 was about to graduate in XX/XX/2018, when I was told by XXXX XXXX that he had an idea that would allow me to walk for graduation. I was desperate and wanted to explore any alternatives for graduation. He told me it was a loan through the school, but come to find out its a private loan from Navient. He made me take out the loan AFTER I shown proof that they owed for a health fee I ALREADY PAID FOR! 
Not only that, Im still in XXXX  school, and they continue to keep bothering me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Financial Management Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This collection company is reporting erroneous debt to  XXXX  in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX   XXXX  in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to  XXXX .  XXXX  has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  Navient  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IVE Been fighting this presumed debt since XXXX, ive called the bank over 20 times trying to resolve this matter, the XXXX on XXXX has a debt of XXXX from " XXXX '' which at the time my business account had a XXXX, they claim a debit was made, and i keep asking them how can a debit process with a XXXX?? they can not answer, furthermore their fraud department will not let me file a fraud claim because i dont have my debit card # from XXXX? this is crazy!!! i did also send them a letter asking for " validation '' of debt, they sent me a statement 3 months later, a statement is not " validation '' and i dont know who is stupid enough to buy a XXXX battery???!!! i have went round and round with supervisors and representatives and im sick of it, i do have letters i sent i will have to find them. this alledged debt is from XXXX, and they refuse to remove it and THEY CAN NOT PROVE its mine, its clearly a computer error, i never been to any XXXX, i repair my own truck as i am 12 year XXXX from XXXX THIS IS UNLAWFUL CRIMINAL ACTIVITY by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I received two unsolicited Navy Federal Credit Union Visa credit cards. I have never at any time had contact with Navy Federal Credit Union for any reason. 

In XX/XX/XXXX I received a letter indicating that a checking account and a savings account had also been opened in my name. I called Navy Federal, filed a fraud report ( attached ) and was told that the issue would be resolved and the accounts removed from my credit report. Navy Federal informed me that nothing had ever been charged to the credit cards, a nd no checks had been written on the checking account. 

In XXXX of XXXX I checked my credit report and the credit card was still showing, with a balance of roughly {$12.00}, and a note that payment was over 30 days late. It had a very deleterious effect on my credit score. I called Navy Federal again and tried to work through this issue again. It seems that Navy Federal had charged the {$10.00} to the credit card account to expedite shipment of the credit cards I never applied for to me. 

Today, XX/XX/XXXX, I received two collections letters from Navy Federal dated XX/XX/XXXX and XX/XX/XXXX. One informed me that this fraudulent account was now 60 days past due and that it was an attempt to collect {$12.00}. The other informed me that because I had failed this debt I never contracted or incurred, my credit card interest rate was being escalated. 

Navy Federal has, since XXXX, been supposed to provide me with documentation that this issue has been resolved. Other than these fraudulent dunning notices, I have received no communication from them at all. I have requested copies of all communications, internal and external relating to me and these fraudulent accounts, and been given nothing at all. I requested that all record of me be removed from Navy Federal 's system, including name address, and all identifying numbers and been stonewalled on this as well.

Navy Federal has behaved recklessly in allowing these accounts to be created without verifying the identity of the person requesting them. They behaved incompetently in  addressing what is a purely internal problem. I have been treated from beginning to end as if I were the problem and it is clear that their business convenience is far more important than redressing injuries their carelessness causes innocent parties.

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 2022-07-12
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX 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 2022-07-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
I have been a victim of identity theft.

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 2021-08-25
Company: EQUIFAX, INC.
State: NM
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 reached out to the credit bureaus of XXXX, XXXX XXXX, and Equifax in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.

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 2020-08-06
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A person I thought was my friend that I used to work with, post on her XXXX XXXX ( XXXX XXXXy ) that the first 20 people who comment CASH on her post would receive {$1500.00}. You inbox her and she has you buy a Gift Card of {$100.00} or {$200.00} dollars. Then, of course, she asked for the activation code and the barcode number from the card. She then texts you to call the account [ ( XXXX ) XXXX ]. They then tell you the transfer is on the way but you need to pay the transfer fee that is way over the amount Cash App charge ( {$200.00} ). The Cash App accounts involved are $ XXXX and $ XXXX. This happened on XX/XX/2020 at XXXX XXXX  EST. I request a refund from the person directly, then I requested a refund back through the CASH APP itself but the refund was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX  XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXXnquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EQUIFAX CREDIT INFORMATION SERVICEhas an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EQUIFAX CREDIT INFORMATION SERVICE SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifax credit Bureau end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation