BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XXXX XXXX XXXX XX/XX/2022 she made me transfer money to her 4 times total of XXXX dollars though XXXX. Now she has deleted me on her social media. I try to contact her by the email that she provide me but no answer back to me. I had contact my bank for there help because I dont know swindlers phone number or address. so please help me find my money back.

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 2022-09-20
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 am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: GA
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 have disputed several incorrect items on my credit report plenty of times, but the items have not been removed from my report. Ive also sent in letters to dispute those items Ive called and try to get them to remove the items over the phone of disputed online also but nothing ever seems to work out for those items to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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 am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.

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 2022-04-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CL Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF EDXXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATIONXXXX XXXX {$0.00} US DEPT OF EDUCATIONXXXX XXXX {$0.00}

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 2022-09-20
Company: Experian Information Solutions Inc.
State: MD
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:
Remove inquiries XXXX XXXX  Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Address XXXX XXXX XXXX XXXX, OH XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2023-11-20
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:
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 NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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 2022-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was the victim of a XXXX scam. XXXX $ was taken from my Citibank checking account to an unknown person. I have filed numerous claims to be reimbursed which all have been denied. I would like to note that I have been a loyal Citi client for over 40 years. I have a huge folder of correspondence and was told that my claim is being denied due to the fact that I did not protect my account. Every denial I have appealed.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: AL
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 Fair Credit Reporting Act, Experian have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : Fair collection & out acct # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 USC 1681b no permissible purpose 15 USC 1692B ( 2 ) not state that such consumer owes any debt ; ( 1 ) identify himself, state that he is confirming or correcting location information consumer, which can only be done by through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, such information shall not include specific factual information on a consumers credit record obtained directly XXXX XXXX XXXX saw the violations & removed only being reported on Experian

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 2022-09-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Requested a loan refund on XX/XX/25 and have yet to receive status or update via mail, no refund or change in account status has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.

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 2022-09-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ), An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 

*I was on a Covid 19 Forbearance Plan, and was never late on payments. I am now out of forbearance and mortgage is in good standing. I was given an accommodations, and as a result I can not have any negative effects on my credit. This is preventing me from pursuing any type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # : XXXX Account Name : XXXXXXXX XXXX  Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX BANK XXXX. 
account # : XXXX Account Name : XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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 2022-06-25
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought this prepaid card at XXXX XXXX it's a NetSpend all access prepaid card I loaded {$500.00} on it went to activated it would not activate I called NetSpend they told me that they were going to use it to pay off a fraudulent account charge that was unauthorized and not mine they proceeded to not activate it they were very rude and then they took almost {$200.00} off of it and supposedly said they sent me a check for the remainder and I would band from NetSpend and could no longer use their services

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 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A/o XX/XX/23 ; high balance {$70000.00} ; 180 days showing past due. Account should not reflect 180 days late or be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously applied for a modification XXXX, 2022, my servicer declined advising not enough income, I re-applied XX/XX/2022, I had XXXX submit all my documents for the 2nd modification on XX/XX/2022, within in 7 days Select Portfolio decline my 2nd modification, & I do not understand why, I added my Child support 0f XXXX Dollars on my 2nd requesting, thinking the additional income would help, m first request took 9 months to process my second request took less than two weeks, this tells me that Select Portfolio is not trying to help me save my home, I am a target I have lost trust with the Servicer, they gave handle my account sloppy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is in litigation. Have tried to reach out to company but they repeatedly transfer me to XXXX  or XXXX. Please remove account from all three credit bureaus until we can speak and come to agreement.

Company response to consumer: Closed with explanation