BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: AL
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 lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXX 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 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2017-03-10
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Equifax Will not Release my Credit report to XXXX XXXX XXXX. XXXX XXXX XXXX has called 5 times and I have called 6 times. I have been given different reasons as to why they will not release my report from incorrect address to a Fraud Alert. At the end of every phone call the representative guarantees me that the problem is fixed. We go to pull credit again and they are still not releasing it. My credit has been pulled by the same lender 6 times and each time equifax will not release my score. This action has caused me financial harm and emotional distress. I have attached a sample of my credit report pulled by my mortgage company, as you can see Equifax will not release my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
account is closed and they have charged it off which should then be reported as a XXXX balance on my credit report and they continue to show it as a active delinquent account with an outstanding balance of {$420.00}. When using a credit monitoring service through XXXX to dispute this error the creditor has only updated the info as if the lingering balance is correct, and it's not. In addition they have recently sold the account to a collector, and now even further my request to have the balance updated should be honored, and they still refused to show that the account has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: OH
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:
Equifax is refusing to remove XXXX  ( student loan guarantor ) from my credit report. I have written them on several occasions dating back to XX/XX/2020 about this issue. I've also did online disputes about this issue. I'm currently in the process of buying a home and my financial lender have reached out to XXXX XXXX of Equifax several times to remove XXXX from my report but they refuse even with the letter from XXXX  ( the servicer of the loan ). The letter had XXXX attached on the letter but XXXX XXXX said it would not be removed because the letter is on XXXX letterhead which is outrageous. If all 3 credit reporting agencies are supposed to report the same information and XXXX  and XXXX  stopped reporting per the letter why does Equifax refuse to update my report. My lender opened up another dispute with Equifax on XX/XX/2020 for the removal and update. The lender explained to XXXX XXXX from Equifax that XXXX  represents XXXX  in this matter heck when I tried to call XXXX  to handle the matter they transferred me to XXXX so why is it so hard to remove something that everyone BUT Equifax agrees shouldn't be on my report. Equifax could potentially cause my mortgage rate/approval to be in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX  Employer ( s ) : XXXX XXXX Phone number : ( XXXX  ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

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 2016-11-01
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
-Note : Original creditor was XXXX. 
Account owner is LVNV funding. 
Account servicer is Resurgent. 

-There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " unsecured loan ''. My credit report says " unsecured loan '' which was " renewed or refinanced '' See my credit report on attachment # XXXX -I have contacted Resurgent Capital Services ( the servicer ) and I asked for a copy of the loan agreement showing I applied for a " title '' loan, but they can not provide one to me. See their loan statement, page # XXXX. 

- After numerous letters to XXXX and Resurgent, asking for a copy the loan agreement or asking them to release title, my registration still shows XXXX as lienholder. See page # XXXX. 

-The car is now non-operational and needs to be donated or scrapped. See CA DMV XXXX filing on page # XXXX. 

-I can not donate or scrap the car because it has their lien on it. 
-I have no place to store the car. 
-I am paying for car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: NM
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
Rush Card ( XXXX ) has had " computer issues '' and I have not had access to my money since XXXX XXXX, 2015. Previous to XXXX XXXX, there were XXXX pending charges on my account that were incorrect and making my available balance less than it should be. Since XXXX XXXX, because my Rush Card and XXXX accounts are linked, I have also had chargebacks debited through my XXXX account that are also held against my Rush Card account. In addition, I have also had a credit issued to my Rush Card account that I ca n't access. I have been unable to buy groceries and have had to cancel an appointment with my doctor because I have no access to my funds. As of today, XXXX XXXX, Rush Card 's system is still " down '', with no relief in sight. Customer service reps at the company can only say that when the service is restored, they will " call '' me. I have received no offers of recompense, or any assurances that I will ever be able to access my rightful monies again. They have, however, sent a text message graciously offering to " waive '' my account processing fee of $ XXXX/mo. for 4 months beginning in XXXX, 2015. As if, I would entrust them with my money again! Which brings up the problem of direct deposit : I had to contact XXXX to change the way to disburse my XXXX XXXX payment. Social Security now requires that one know the current account and routing numbers to change the disbursement arrangement. Since even the Rush Card customer service reps can not access such basic customer account records, I had to present myself and my ID at a local Social Security office. Since I am XXXX and can not drive, this was a major, and costly, endeavor. I shall receive my only source of income on XXXX XXXX, but until then, I have no access to any money due to Rush Card 's incompetence and negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XXXX/XXXX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XXXX - XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX have also please delete not my address included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
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: 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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-12-18
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I would like to file a complaint against XXXX College and Navient. I feel like the loan company is working hand and hand with XXXX College to scam people. I was tried to apply for college and was told I could not go because I was a minor. I was under XXXX years old. My mother is deceased and the school told me they had to get information from my dad. I do not know where or who my father his all I knew was his name. I am still unsure how I was able to get enrolled in the college. 
I do not understand how I was charged the tuition I have or the charges. I took out 2 loans. I was told if I continued my education that I would get XXXX from the school. Which I never received. The school is charging all kind of fees, that people are not a ware of. I called the school today around XXXX XXXX and spoke with XXXX. He told me to email the school to receive a print out of all of my charges. Why do I owe the school money and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this account.

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 2015-03-25
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IA
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 first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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

Company response to consumer: Closed with explanation