BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/23 I attempted to open a trust bank account at XXXX  XXXX XXXX. They used my social to run a background check which revealed that I had monies owed to XXXX  XXXX XXXX on an old closed account. This account was paid in full months prior to the inquiry. I was denied the bank account and proceeded to call XXXX  XXXX XXXX who confirmed that the matter was resolved and provided me with a letter stating this. ChexSystems was contacted and I spoke with a woman who was difficult to understand as well as appeared to be out of the country. Im not quite sure why an agent in another country deals with credit matters of the US but that is a different matter ; after providing a lot of private information and explaining the situation, she informed me that there was nothing she could do and I would need to contact XXXX  XXXX XXXX. I have now, on XX/XX/23, been denied another checking account creation due to this matter. I am attaching a letter from XXXX  XXXX XXXX showing the matter is resolved and requesting that it be removed from my credit report or I will be forced to file suit. This has caused forfeiture of new accounts, interrupted business and caused tremendous distress to me and my family.

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 2021-07-29
Company: ARVEST BANK GROUP, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I was in decent financial shape, never had a late mortgage payment and employed. I applied to refinance my mortgage with arvest central mortgage since the rates were so low and I no longer would have to pay pmi as I owned more than 80 % of my home. Lowering my rate and getting rid of pmi would significantly lower my mortgage payment. I am a single mom, working 2 jobs so any help would have gone a long way. I was approved at a lower rate, submitted all documents, paid the {$500.00} fee and was ready to go. My loan officer got married during this time and was on vacation. He continued to ask for additional information regarding my child support and other documents that were not initially requested. He was slow to get back to me and because my child support payments had only started being directly deposited into my account for 4 months ( although I had been receiving child support for over a year ) I was only able to show through my bank the 4 months instead of the 6 he was asking for. Before I was able to provide the requested documentation of the additional past 2 months of child support. The officer closed my loan and say d I would have to start over. Even though he was the one who had been unavailable for most of the 30 days. Within a week, due to covid, I lost my job and weeks later my XXXX XXXX XXXX daughter was XXXX  out of state. I missed a mortgage payment, effecting my credit score, had to apply for covid forbearance, owe over XXXX in mortgage payments, am not unable to get a lower rate or refinance at all, continue to pay pmi even though I own well over the amount needed of my home and my credit has plummeted. If I had gotten that refinance loan in XX/XX/XXXX as I should have, I would have been able to afford to pay my mortgage throughout the pandemic. I am now in a position that I can not apply for refinance due to forbearance and probably wouldnt qualify due to my bad credit ( that never had been bad up until this point ). I have been working fill time for over 6 months but have still not been able to catch up from this terrible incident in XX/XX/XXXX with my mortgage company. I have spoken to them about it, they said they could do nothing other than offer me the forbearance which I took as I was desperate at that time and didnt want to lose my home and become homeless with my XXXX children. I am a XXXX XXXX, and assist my clients often with the rental assistance programs and utility help, but if you own your home, even though you are so behind, it doesnt seem like there is help? 
Thank you so much for any help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX the office manager for XXXX told me that I could pay {$5.00} to {$10.00} per month for up to 24 months before the balance of {$8000.00} was due for 2 XXXX  to be installed in my mouth ; XXXX  did not wait the required 72 hours before they billed Comenity Bank / XXXX XXXX. The procedure was performed by an unlicensed oral surgeon, who subsequently botched the installation and the XXXX fell out of my mouth. I do not owe this debt because the work was never performed. I contacted XXXX XXXX that I wanted a refund because the office manager, now a former employee, had informed me of improper billing practices by the dental office. On or about XX/XX/XXXX I visited XXXX XXXX 's office where he told me that he was processing the refund and had me sign a receipt. He, in fact, was restarting the finance agreement that I wanted to be released. I never had any further work done by XXXX and do not owe this debt to the XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of XXXX XXXX XXXX XXXX to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with XXXX XXXX XXXX XXXX XXXX was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Was not notified of investigation status or results

Complaint:
Im this letter I have proof of the Inaccuracy and violation from Experian to my credit report the information dont match and is inaccurate with any other credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I dont understand why my claim was denied I never received any information from crazy cheap store llc floor mats company at all about my item I purchased back in XXXX chime made me fill a dispute form and called almost every day for 8 weeks and also sent emails to the crazy cheap store who charged my account llc floor mats Ive reached out to them thru email since the site has no number but no one ever responded so was like what the heck I feel scammed out of XXXX and thought my bank can help get me my funds back but they denied me and before denying me they would tell me to call back and gave me a huge run around when I asked why it was taking so long cause now has been 4 months and all I want is my money back or my item I purchased but feel like Im a fool cause this bank is not the greatest and has the worst customer service and makes things a lot more complicated from filing a claim to calling them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While XXXX  and Equifax have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a single mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. 
These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. 

The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! 

XXXX XXXX in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have spoken to three different people at Aidvantage. I was told that I qualified for a payment of {$89.00} a month. So when I went to pay it was over {$400.00} that I owed. So I called and then they told me it would be {$120.00} and now it says I owe almost {$280.00}! Please help I can not afford to pay that much and I have made that clear and was told that I would be good to go with the {$89.00} payment and it has been back and forth since XXXX. I don't want to get behind on payments but need them to get it together so I can move on from this. They say do everything online but there website matches nothing that the people on the phone are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

4. 01 XXXX XXXX XXXX Account Number : 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 2023-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation