BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have XXXX accounts open and have only XXXX account number, XXXX amount of {$4900.00}/ account XXXX shows {$15000.00}. 
I have already paid off my student loan debt though my over XXXX years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt ( approx. {$60000.00} ) was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account XXXX : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation. 


CFPB please look into this matter, so that I can get the corrections on my credit report to reflect more appropriately in accordance with the law, so that I will be able to purchase a home for my daughter and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: GA
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:
I have contacted Equifax several times since XX/XX/2023. My credit score and report will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2023-04-02
Company: Experian Information Solutions 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 recently just received a copy of my credit report and have noticed that you reporting me as late on an account for which I have been late. Could you please investigate this matter as soon as possible, as it is a serious issue for me and my credit score? I can assure you that I have never been late on 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 explanation
Consumer complaint received 2023-04-02
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if they have yet to Verify the debt with my signed signature.

Then I asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof my letter for that.

Also according to 15 usc 1681 s-2 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. 

This is violation after violation. This is causing me stress because I have no hope with this system. Please delete account ( XXXX ) XXXX XXXX off my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Allegiant Capital Recovery LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call in XX/XX/XXXX from XXXX representing XXXX XXXX saying I owed on XXXX XXXXXXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing XXXX Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from XXXX showing I own this account. Then beginning in XXXX I received contact from XXXX through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX XXXX added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at XXXX a total of XXXX was sent to completed to chase to be deposited. When i checked my account I received an error message stating updated balances were not available. I logged in this morning and the deposit has not been reflected on my account despite the confirmation that funds were debited and the instant transfer was completed from XXXX. I called chase multiple times and after an hour on hold with a manager reveiwing my account my call was disconnected with no resolution and no attempt to reach out again was completed. I called another supervisor and they put me on hold and transferred me to a closed department without notice. I've completed the instant transfer service to my account many times over the years and this is the first time I've had an issue. They refuse to rectify it and keep putting me on hold and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on an amortization schedule with this lender that was pre-set when the loan began and saw no changes for over a decade. The loan was scheduled to be paid off by XXXX. I have been overpaying by at least {$80.00} every month for the last 2 years to finish paying off the loan faster. In XX/XX/XXXX, I noticed my monthly payment had drastically increased, although the amortization schedule didn't list an increase until XXXX of XXXX. What's more, the increase was much more than specified in the amortization schedule. I had a couple of late payments, so I thought perhaps my overpayment hadn't been applied to the late fee, and it was rolling over. 

After reaching out to the servicer for clarification, however, I was told this was not the case and that my servicer had readjusted my payment schedule " to ensure I paid the loan off on time ''. I have been overpaying > {$80.00} to this servicer every month since at least XX/XX/XXXX and was poised to finish repaying the loan earlier than anticipated, so this reply doesn't make any sense. 

Furthermore, the new monthly payment is almost double the usual amount, and at least {$100.00} more than the expected amortization increase for XXXX. I checked my amortization schedule when I first noticed the monthly increase and it showed the schedule set at the start of the loan. I checked it again after receiving the reply from the servicer and saw that it had been changed to something very different and only shows the next few years at this new payment schedule, and not the entire schedule ( from the start of the loan ), like it used to. 

I believe this company is trying to make up for losses in interest payments, that may be arising from the potential upcoming student loan forgiveness legislation, by drastically increasing monthly payments. There is no reason for this sudden increase and change to my account. It is also very strange that they would hide all of the previous amortization information. Please look into this. The servicer is Navient. I have 2 FFELP loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NY
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:
Dear CFPB, I am filing a complaint against XXXX regarding my account number : XXXX. The issue at hand is the inaccurate reporting of two late payments on my credit report.

I have noticed that Experian is reporting XXXX XXXX as 30 days late, while XXXX is reporting XXXX XXXX as late. This is a clear case of inaccurate reporting, and I am requesting that this error be corrected immediately. 

Under 15 U.S. Code 1666b, I have the right to dispute inaccurate information on my credit report. Additionally, 15 U.S. Code 6801 ( b ) 3 requires that credit reporting agencies ensure that the information they report is accurate and up-to-date. Lastly, 15 U.S. Code 1681b outlines the permissible purposes for obtaining and using consumer credit reports. 

I believe that XXXX has violated these consumer protection laws by reporting inaccurate information about my payment history. As a result, my credit score has been negatively impacted, and I may face additional financial consequences. 

I am requesting that XXXX correct their reporting errors and update my credit report to reflect the accurate payment history on my account. I would also like to request any documentation they used to determine that I was late on my payments. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02
Company: EQUIFAX, 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 got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have not uncharacteristically received wire transfer payments from any of the companies to whom I sold intellectual property previously nor have I received any wire transfer payments since XX/XX/2022 when I switched my banking to Chase Bank NA and provided the account Information to all parties. This week when looking into the matter, I discovered that most months indicate a gap in transactions from the first of the month to the tenth of month both on the Chase Mobile Application and Monthly Statements. I also discovered a checking account ending in XXXX that I was previously unaware existed. These discoveries cause me concern that payments intended to me are being stolen via offsetting equal net-XXXX debit transactions or diverted to the account ending in XXXX that I have never accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Notice to agent is noticed to principle, notice to principle is noticed, to agent this is to inform the CFPB of a bad practice from Santander Consumer USA the company is collecting a debt, the company Is sending threatening letters in order to collect a debt. The company is threatening the consumer to repossess his vehicle. My understandings are the following 15 U.S. Code 1692d - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. and since I am aware of the law the company needs to follow rules and regulations and since the company is being Combative, I would like to proceed with 15 U.S. Code 1667d - Civil liability of lessors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: NCB Management Services Inc.
State: NC
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:
collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 
After you have finished with my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
i am 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 2023-04-03
Company: EQUIFAX, INC.
State: CT
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists These are the accounts I'm referring to XXXX XXXX account closed XX/XX/XXXX. XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX  account closed XX/XX/XXXX XXXX XXXX XXXX XXXX account closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Winklevoss Exchange LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I went to pay my Gemini Credit Card bill and my password didn't work, so I changed it, but then it still didn't work. So, I changed it again, but ended in the same result. I assumed it was a technical error on their end, and contacted their support team immediately. The support team was not helpful and kept dodging my issue, so my gut feeling was to ask them to freeze my account because something seemed off. Then I checked XXXX and saw that lot 's of people were going through a similar issue. There's also lawsuit going on with them too, that I didn't know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation