BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Well I requested XXXX remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but XXXX will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for XXXX to delete the incorrect information immediately off my report

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am having an issue setting up Auto-Debit for my new Nelnet account . Everytime I enter my name and bank account information, and click " submit '', I get an error message saying " something went wrong, please try again ''. I've tried numerous times to submit my Auto-Debit banking info to Nelnet, including trying different browsers, different computers and even from my XXXX, but nothing works. I called NelNet, and they said there is nothing wrong with my account, and it should be working. I sent them a paper Auto-Debit enrollment form via email, and it hasnt been processed. I am now receiving emails from NelNet advising me that I have not signed up for auto-debit, even though I emailed them a paper form. Can someone please look into this? I want to sign up for auto-debit but their system is not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ally Credit Card keeps placing a hold on my account for no good reason. Each month I have to call and go through all the horrible customer service, lies and unlawful reasons. The first month it was because they supposedly needed a letter from my bank stating that I was an authorized user to make payments although this was the bank that they checked to see if I qualify as well as accepting several payments close to XXXX each., I called my bank and they stated that they are not in need of this so called paper and payment has already been accepted and posted. The second month they placed a hold again and when i called for the excuse this time they stated that they feel I am spending too much money on my card. I did not even max out the card but if I did who do they think they are to tell me I can't use my credit limit that they issued to me. i still had a small credit remaining and pd balance in full which had yet to be credited and I was trying to prepare for the Hurricane Idalia that we have moving into Fl and I was not able to get gas, water or any other necessities such as my medication I have never once been late and as a matter of fact always paid the full amount before it is even due. They have no problem accepting any of the payments but they feel they have the right to not allow me to use my credit when I please. I understand a hold for several days after payment has been made but this is ridiculous as it states 7 days and they wait longer than the amount of days listed in their rules as well as give bogus reasons and should not be happening each month or anytime I spend with this card. I feel as though they may be trying to steal my identity or get access to my bank account. Also hang up on people and leave them on unnecessary holds for over an hr., I looked them up on the XXXX  and their ratings are horrible as well as statements made that are exactly like mine if not similar. I have since consulted with my bank again and they suggested that I consult with an attorney in which I have some today. 
Thank you for your time and understanding. I look forward to your response. 
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 2023-08-29
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting 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 want to file this please as my formal complaint to WELLS FARGO BANK CAR for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-08-30
Company: EQUIFAX, INC.
State: NJ
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:
My credit report is still showing late payment on XXXX XXXX XXXX account despite the previous appeals I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi My name is XXXX XXXX and I want to bring the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason.According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : Creditor : Capital XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor XXXX XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 My contact information is provided below, and I have included proof of my ID and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2022-06-09
Company: MidAmerica Mortgage Inc
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, It has been made increasingly clear, that the intent of MidAmerica Mortgage is to inflict borrower harm amongst its consumers. As such please take this as my formal notice to file a CFPB complaint regarding the modification handling below. I intend to show clear evidence, Mid America caused irrefutable borrower harm, and ultimately failed to adhere to the guidance provided by FHA/HUD regarding XXXX the servicing of Modification during the Presidentially Declared Disaster. 
Modification Process Mid Americas Loss Mitigation & Bankruptcy Team negligence contributed to the denial of the modification via : Failing to properly communicate next steps with borrower during the Modification process Failed to apply the trial payments timely Provided inaccurate information regarding the modification status Misapplied payments Failed to properly submit documentation to Bankruptcy attorney during Modification process Failed to bring the loan current during the completion of the modification approved Assessed improper fees to borrower during disaster/XXXX XXXX o Inability to provide itemized breakdown of fees and arrears from borrower and attorney XXXX XXXX Modification Appeal Process Verbal Modification denial received on XX/XX/XXXX. Reason : Failed to make payments in month due. Please see mortgage statements showing payments being received XXXX XXXX XXXX Notice Online Bill Pay- confirming bill pay was set up XX/XX/XXXX XXXX XXXXXXXX XXXX Notice advising payments being submitted and yet not presented for deposit/cash XXXX XXXX XXXX Notices- confirming stop payment issued in conjunction with guidance from Mid America o Mid America misplaced funds , as such I was advised to stop payment and reissue, causing issues with XXXX payment. 
Please note : I resubmitted the documents XXXX XX/XX/XXXX. 
Followed up via email XX/XX/XXXX ( allowed XXXXday review ) o Agent was unable to assist as the loan number was a digit off in the subject line, despite all attached information containing the correct loans number. 
***Loan has now been sold again in the middle of the modification request submitted in its entirety XX/XX/XXXX to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: AR
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:
According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. EQUIFAX, XXXX AND XXXX reinvestigate these accounts below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: OH
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:
I went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-11-24
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, My complaints are I came to XXXX in XXXX to join my husband who is international expatriate. Due to XXXX it took almost 2 years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but they were rejected after they run my credit report though XXXX. My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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