BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While the loan was with XXXX XXXX XXXX I was offer a trial loan modification. I began making payments to bring the mortgage into a current status XXXX accepted payments from XXXX XXXX until XXXX XXXX fulfilling my trial modification. I continued to make payments but the bank refused to accept any further payments after XXXX. All payments that were sent to XXXX were returned and not applied to the mortgage. How can pay a mortgage when they do n't accept payments. I in attempted in good faith to put my mortgage and pay off my debt as per the agreement with the bank and XXXX. They did not live up to their promises also XXXX refused to send multiple documents that were requested. Also documents that were sent to me in XXXX were from XXXX but we 're notarized in XXXX. Also these documents were from XXXX different companies and the originator of the document that was made in XXXX no longer existed in XXXX. How can a company notarized and state that a document is accurate when they did not create it. Than I looked into the head attorney for XXXX and found out it was XXXX XXXX XXXX pc. After doing research I easily found that he was no longer in business because of thousands of illegal immoral and unconcinable business practices.

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 2017-05-18
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:
XXXX XXXX XXXX has reported on my credit report for XX/XX/XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address XXXX XXXX fl XXXX City XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) & Account Number ( Blank ) I ( blank ) on this XX/XX/XXXX Day of XX/XX/XXXX do hereby request a complete copy of my payment history from XX/XX/XXXX to XX/XX/XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. ) Please Mail this information ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I went into XXXX on XXXX XXXX to get {$250.00} off my card. On a {$10.00} bill came off. It was a cashier was standing right there. I called chime. They file a dispute. A month later I received a email saying that they didn't see a error. 
I spoke to them the other day look at the dates. They just changed the date on the paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( XXXX ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information ASAP

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 2017-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have notif ies Eqifax on multiple oc casions that my report does not reflect any of my credit accounts, they dont give any information on the phone and keep directing me to the creditors who say they are reporting. My accounts shows up on other repoting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent multiple  XXXX  letters to get these  XXXX  collections removed. I have also called and disputed these accounts online and Transunion nor   XXXX   will remove the negative accounts. These  XXXX  negative accounts have been off my  XXXX  credit report for over two months and I have told TransUnion and  XXXX  that but they wo n't budge and remove them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots    XXXX   XXXX   XXXX    and my  XXXX  app both show no negative accounts open.

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 2017-05-18
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled a   XXXX   XXXX   XXXX   account with  Diversified Consultants. Th ey agreed if I paired settlement offer this would no longer appear on my credit report. This debt was settled on   XXXX   XXXX   XXXX     and it 's still showing on my credit reports as a collection account. This is the only collection account that I have. I have a copy of the letter showing that the debt was settled. I wish that this debt will be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So during my time in college I was told that I was able to take a loan out through XXXX or XXXX and did not have to pay back through the contract and speakings. Im struggling due to Covid and hurricanes because I live in Louisiana and I cant catch a break and its bringing my credit down slowly and I just cant pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
Description of Complaint : In XXXX of this year XXXX, I requested a properly investigated on Bankruptcy XXXX # XXXX because the court name is incorrect and the filing date is wrong! However TransUnion told me that this account has been verified with the courts but the **DATE UPDATED AS OF TODAY shows XX/XX/XXXX! XXXXAlso TransUnion have failed to provide me a formal request for the description of procedures used to determine the accuracy and completeness of the disputed information! The courthouse name, The name of the person who verified the bankruptcy, The court address, The court telephone number, The documentation used to verify the dispute, TransUnion has violated the FCRA LAWS several times. **please note a third-party furniture of information such as pacer, XXXX, or an alleged creditor does not meet the standards set by the FCRA section 611, paragraph ( 6 ) ( B ) ( iii ) Only the bankruptcy court should be the furnisher of information, not a third-party source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: CA
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 was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
incorrect information on my 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
On my XXXX  credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from XXXX XXXX XXXX I also have 5 soft inquiries from XXXX XXXX for the same days. 

On XX/XX/2023 i have a hard inquiry from JPMCB Card along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  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 monetary relief
Consumer complaint received 2023-10-18
Company: Midstate Collection Solutions, Inc.
State: IN
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My complaint is against  XXXX  and TransUnion. There are liens appearing on both. The liens a re PAID.  The liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with  XXXX .  XXXX  and TransUnion should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: MD
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:
XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with   XXXX   XXXX   XXXX   and debt was dismissed as they were unable to validate account belonged to me as I have been victim of identity theft. It seems as if  Franklin  has obtained the debt, despite it being previously dismissed and account was closed. I have not received any notification fro m Franklin  nor validation of debt.

Company response to consumer: Closed with explanation