BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NJ
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 am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - XXXX XXXX. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my Equifax report. A dispute was filed with Equifax directly, but it remains. 

XXXX  XXXX - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my equifax.com. 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX 3. Credit Limit of XXXX 4. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
US auto finance is who I leased my car through. My car was stolen and damaged back in XX/XX/2022, my car insurance company paid XXXX of the dollars off then I was told that my cpi was going to cover the rest of the payment and it should be updated on my credit report in XXXX of XXXX  which never happened. I constantly reached out to the company so then they told me that it would be a charge off on my account in XXXX of XXXX  and that never happened as well I have been goin back in fourth with this company going on a year now about the removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to 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 2023-07-14
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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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 2018-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dear CFPB I was trying to modify my mortgage loan with Chase Bank,, this issue dragged for almost three years. 
Bank declined after many exhausting attempts. always, overqualified, under qualified. etc. 
They proposed an alternative. Reinstate the loan, or do a short sale. 
in effort to reinstate the loan, I went through a costly expenses since I had to bring the property up to code, and really upgrade the house condition in order to put it on the market. ( I will attached MLS page ) all savings dried out. give notice to 18 years tenants to move, etc. 
costly, for sure. but ; I only way to reinstate the loan with back interest, attorneys fees etc. properties do not sell as quick as we want. reason why I said fine, let 's put property for sale as Short Sale, which ever action takes place first is going to be. since short sale is less harmful then foreclosure. 
We accepted a buyer willing and able to purchase this property, send offer to the bank. 
most work done, my other property already on the market, and Chase decided to put the property on Foreclosure, in the low 300,000 it was not sold at auction, is now returned to the bank. is unreasonable. 

I want to keep my property after all efforts and expenses. please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Navient Solutions, LLC.
State: MS
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:
Navient As one of the many affected by the lack of implementation of the Joint Consolidation Act, XXXX, my former spouse and I have been working towards the long term administrative forbearance that has been requested by the Department of Education XXXX 

My former spouse claimed XXXX XXXX bankruptcy in XXXX, which put the joint account into a bankruptcy forbearance. ( I had no knowledge for months that this had occurred, as I was working towards getting our IDR payment plan recertified ). I was told by Navient that in order to get the discretionary administrative forbearance as the Department of Education had outlined, both my former spouse and I had to be on the line together. As my ex and I are amicable ( to a degree ), I was finally able to get her on the phone with myself and a Navient account specialist on XX/XX/XXXX. On that call we both verbally requested that the bankruptcy forbearance be rescinded. The CSR, who had spoken to a supervisor about this process, said that it would be sent to the next level of bureaucracy to be discussed and that we should have a decision by XX/XX/XXXX, at which time one of us could call back and have the loan put under the discretionary administrative forbearance outlined by the Department of Education. I called on XX/XX/XXXX & spoke with a CSR named XXXX, who indicated that the request for rescinding the bankruptcy forbearance had been denied. No reason was given. After escalating the call to a supervisor, I received the exact same information : The request was denied on XX/XX/XXXX. No further information was available. I continued to make " What if? '' statements to try to find out what mechanism was necessary to make this happen, such as a letter from the bankruptcy attorney or even a letter from the bankruptcy judge citing that the XXXX was to be excluded from the bankruptcy. No information was available. The supervisor finally said that since it was in bankruptcy, the guarantor of the loan may have more information. XXXX at XXXX. 

As the loan is in my former spouse 's name and I am listed as a co borrower, I can not get access to any information with XXXX. We need to know how to get this bankruptcy forbearance removed from this JOINT loan. If the loan stays in the bankruptcy forbearance, both the former spouse and I will miss out on months, if not years of PSLF counts, as the administrative forbearance will count towards PSLF, whereas the bankruptcy forbearance time will NOT. Both of us have been XXXX XXXX XXXX for 25 years ( I'm on year XXXX ), have never been eligible for any XXXX  forgiveness program, PSLF program, etc. due to being in this Joint Spousal Consolidation Loan program, which was abandoned on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was sent money thru cash app from my sister, I am XXXX as far as trying to figure some things out sometimes. So I called cash app and explained that I could not Access my account so they helped me to open a new cash app account on XXXX XXXX and said that they will transfer my money that my sister sent me to my new account so I could get my hotel room because I was in a different city and state and I knew no one here and I had a flat tire even. I told cash app this and the manager said not to worry. I've not received any of the money that my sister has sent to me to date. I had to sleep outside that night because cash app took my money, I have begged them to give me my money and they will not due to security reasons they won't tell me about. I am severely XXXX in my health because cash app did this, I was in ICU the following days because I developed XXXX due to being stranded and having no money or no way to receive money due to cash apps abuse. I do believe they saw my accached debit card as my social security payment card. And took my money as they do other people 's with XXXX. I've asked cash app and my sister that sent the money has almost begged cash app to return the money on my account that cash app has closed. For security reasons they will not tell me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
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 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

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 2023-05-18
Company: Upstart Holdings, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan, and I was approved by Upstart. I was told to confirm my banking account information by using a system that Upstart uses called XXXX. I logged into my banking account and Upstart notified me that my account had been approved. I was told that my loan money in the amount of {$5000.00} with a XXXX loan fee would be dispersed to my account within 1-3 business days. The disbursement date according to my portal on Upstart was XX/XX/2023. 
I never received the funds. I contacted Upstart and they told me they released the funds. However, it for some reason went to the wrong account. I was told an investigation would be conducted. I have NEVER received any feedback about the process or what's going on. It's now XX/XX/XXXX, and I have not received a dime. However, the loan is listed on my credit report. The portal shows active payments coming due for this loan... 
I have called and emailed several times with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Affirm Holdings, Inc
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Used affirm to purchase event tickets for XXXX XXXX  - event was cancelled. Put through my disputes with my credit card & they took the money from affirm. Affirm then said they were going send that to collections & charged off, I paid {$580.00} more to not have it be charged off & not affect my credit. The event didnt happen so I shouldve never had to pay them the money again anyways as the services were not provided. I did contact affirm but they did not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. XXXX XXXX XXXX  continues to report to Equifax that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. 

When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. 

Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. 
Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. 

I'm am hopeful this NEW complaint will be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions 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:
Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

Experian in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!

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 2022-02-06
Company: Experian Information Solutions Inc.
State: IN
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:
The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.

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 2020-10-29
Company: EQUIFAX, INC.
State: AZ
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:
My credit report shows no change other than a positive change and yet there is a 30 point drop on my report? I have investigated it on several different days to no avail. again, 30 point drop.. o change on report that they are reporting. The only way I could possibly get additional services is by paying for an upgraded service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For Discover account ending in XXXX, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802 and 16 CFR 313.7. And the privacy act of 1974 Effective immediately and indefinitely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: MIDFIRST BANK
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 is missing that should be on the report

Complaint:
My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already contacted the company and police when the transaction was placed by XXXX. Plus had it removed from one Credit Bureau already. I don't understand why it's listed with Experian still. I have been a victim of XXXX XXXX Data Breach, Hud Data Breach and a Credit Bureau Data Breach among others over the past few years. XXXX recently alerted me that my ssn is on the dark web. Please help!!

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