BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received a statement from XXXX that I owed a debt of {$150.00}. 

Returned a call from XXXX XXXX explained how I paid my final bill in the XXXX XXXX XXXX last monthly payment of XXXX at the store XXXX XXXX, Sc on XX/XX/XXXX statement date XX/XX/XXXX. My daughter was putting me on her family plan. I HAD TO PAY THE ENTIRE BALANCE IN OR TO CLOSE MY ACCT AND TO BE PLACED ON A FAMILY PLAN, WHICH LOWERED MY UPCOMING COST. 

XXXX SAID get a bank statement did, and sent it to a different letter to Her copies of statement and dispute letter .i did. 

XX/XX/XXXX I called at & t see if it was off my bill. They did not see I owed I thought it was done taken care of w dispute letter. 

XXXX/XXXX I got a call saying it was still in collections w now DCI. I sent another note on the XXXX paper and told to send to DCI.com and I did,! along again w statement. 

I have not received an email call or text saying it was received, I chked my XXXX and it is still there that I have NOT tried to take care of it. 

I paid my debt at the XXXX XXXX w bank bank stmt XX/XX/XXXX. I do NOT owe them any more money.all my bills I pay. 

XXXX XXXX Please help me. Thank you. 




.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit Line was decreased without notice and APR was increased without notice.

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 2023-07-17
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called looking for a individual that does not have access to the phone number they are calling. Afni has been advised on multiple phone calls this is a wrong number and they continue to call. I have received to date 4 calls from afni and each call I have asked them to remove my number they disregard and continue to harass and call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
XX/XX/XXXX. I when to XXXX Nissan to lease a vehicle. When I arrived, the car I called about 20 minutes prior was no longer available. They then showed my a few other option and said the price difference will be minimal because its a lease against the directive in total cost. They said they need to check my credit and to sign some papers. I said, I dont want to sign until I see some numbers. They said they can get the numbers and do a soft inquiry. I said to make sure its only a soft inquiry and I asked them 2 times to make sure. They confirm both times, its only a soft pull. There were 2 representatives that I was working with, and they both confirmed this. I signed the paper based on their word, to not do a hard pull/inquiry. Then 2 minutes later, I received a hard inquiry alert on my phone from both XXXX and XXXX XXXX. I was so upset. Unbelievable, I told them. The floor manager came and said sorry, there was miscommunication between sales team and finance person. He said I shouldnt have sign any papers. I said, your sales team said to sign abs I thought it was for the soft inquiry. He said there is nothing they can do now. Then proceed to try and make a deal. My XXXX score dropped XXXX points because of them. Im not buying anything from these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
CareCredit/Synchrony Bank charged consumer a late fee, when her account was never late. CareCredit finally agreed to reverse the {$38.00} late fee, however they reduced consumer 's credit limit by {$300.00} for the sole purpose of finagling a derogatory credit score. Consumer had a {$1500.00} LOC and had paid the balance down by {$300.00}. Then CareCredit reduced the LOC to {$1200.00} showing only {$53.00} available credit, which increased consumer 's credit card debt ratio on consumer 's credit file. Consumer has not being late, but CareCredit blacklisted consumer 's credit by reducing LOC as a poor credit risk, although consumer was gradually decreasing the balance. 

CareCredit claimed that consumer 's XX/XX/XXXX payment was late, and the payment was due on XX/XX/XXXX. However, based on consumer 's statements, she paid {$50.00} on XX/XX/XXXX for deadline of XX/XX/XXXX payment. Consumer made an additional payment of {$30.00} on XX/XX/XXXX totaling {$80.00} for the XX/XX/XXXX billing cycle. Consumer then made a payment of {$72.00} on XX/XX/XXXX for the billing cycle ending XX/XX/XXXX. After XXXX 's billing cycle closed on the XXXX, consumer made made a XXXX payment of {$100.00} on XX/XX/XXXX for XX/XX/XXXX payment, billing cycle ending XX/XX/XXXX. 

CareCredit became confused with their own billing cycle, determining that a payment had been missed, since consumer made payment early after the close of XXXX 's cycle, and before the end of the XXXX billing cycle payment on the XXXX of the month. CareCredit failed to discern that a payment can be made early the month before. CareCredit is trying to extort consumer to pay two payments in one cycle by adding a late fee and decreasing credit. 

This reduction of credit LOC ( line of credit ) tells consumer 's CBRs that she is overextended by reducing her credit limit. Consumer has made a payment in every billing cycle without missing a payment. Consumer is requesting that original LOC be reinstated and CareCredit be held accountable for charging a late fee and lowering the LOC intentionally, misrepresenting consumer 's credit record.

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 2023-06-28
Company: Exeter Finance Corp.
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:
I done paid collections and theyre still on there. I also have inquiries on my credit that I have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021 a check of {$5000.00} made to XXXX XXXX from XXXX  XXXX XXXX XXXX was fraudulently cashed at a US Bank XXXX XXXX XXXX. 

I have asked US Bank to reissue me the funds, they said they can not.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

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 2018-09-16
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was on income driven repayment. After being on it for a couple years they said they required my actual bank statements and bills to enroll me in another year. I refused since I didnt feel comfortable. They told me I couldnt stay in the plan and my payments would increase. I said I couldnt afford it and wanted to work something else out. They wouldnt work with me no matter how many scenarios I suggested. They told me to cash out my XXXX or for my parents to take out a 2nd mortgage, which is super inappropriate. Ive been trying over the last few years to work something out. Several months ago they sent me an offer that was pretty close to what I could afford via mail. I called the number with no answer. I left several messages that went unanswered. My loans got sold to another company. Theyve called my work and harassed me. I never gave them that number not permission to reach me there. They XXXX me and found it that way. I stated my office number was not public and they didnt have permission yet they called again ( instead of my cell I gave them ) and I got in trouble at work. I told them to call my cell or email and they still didnt. Ive emailed them several times to try and work out the same deal I was given by the previous company. They refuse to answer me and have dinged my credit and are not willing to work with me. Please help. I have a XXXX illness but am not so disabled that I receive disability. This situation is exacerbating my illness and making me feel like theres no end in sight nor anyone willing to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX FED XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-05-23
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX OF XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Receivable Management Group, Inc. (GA)
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken to 3 people about this problem. 
The debt is not mine they even admitted it was a mistake from their part but no action has been done to remove it from my credit report. 
Im in the process of buying a car and this affects me. 
Thanks

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 2023-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fifth Third Bank will not stop emailing me bill reminders - multiple monthly. 
I closed my parents accounts ( deceased ) and the estate account around 2 years ago. I have called multiple times. I have written multiple times. I have contacted them on XXXX  multiple times. They claim it will stop but never does. It causes me mental distress every time I receive the emails. I just want them to stop. The bill reminders come in my mothers name, she has been gone since 2016. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit score months ago and saw Amsher collections and reported it on XXXX. And attach an online police report. Now I checked my credit report and it says Amsher collection Serv for XXXX has an amount of {$2300.00} in collections. Would like to report identity theft because I do not recognize this transaction. ( XX/XX/23 )

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