BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX This account is listed as being 30 days late on XX/XX/XXXX & XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sure this will involve XXXX  and XXXX, but Equifax has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact Equifax, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. Equifax lowered my score 66 points, XXXX lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of XXXX. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
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 non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I consolidated my XXXX loan into a Direct Consolidation Loan in XXXX of XXXX. I also applied for an Income Driven Repayment Plan on XX/XX/XXXX. Fedloan Servicing incorrectly processed my income driven repayment application. I was placed on REPAYE for a payment amount of {$110.00}. I was notified of the outcome of Fedloan servicing processing my income driven repayment on XX/XX/XXXX. I immediately notified Fedloan of their mistake and they acknowledged the error that Fedloan Servicing made with regard to my IDR Application and I was placed on the incorrect IDR plan for the incorrect amount for income driven repayments. After correcting the error, Fedloan Servicing, sent me a new IDR outcome letter dated XX/XX/XXXX, that was correct and did list the Income Based Repayment plan for a payment amount of {$86.00}. However, in the interim timeframe Fedloan Servicing processed and sent me on XX/XX/XXXX a " Repayment Obligation/Schedule Disclosure Statement '' form. This form listed that I would have to pay {$13000.00} over the entire life of my Direct Consolidation Loan. Of that amount, {$2400.00} would be interest that I would pay over the life of my Direct Consolidation Loan. Since this form was created by a mistake via an error that Fedloan Servicing has accepted responsibility for I have asked on numerous attempts to be sent a new and " correct '' version of the " Repayment Obligation/Schedule Disclosure Statement '' that will list my payment plan as IBR and the total amount and interest amount I will be required to pay over the lifetime of my Direct Consolidation Loan. As of XX/XX/XXXX Fedloan Servicing has not provided me an updated and correct version of the Repayment Obligation/Schedule Disclosure Statement form. I am very unhappy about this. When I applied for a mortgage, when I applied for a car loan I was provided a Federal Truth-in-Lending form that provided me very clearly and directly the amount I would be required to pay both in total terms and interest amount over the lifetime of my car loan and mortgage. Fedloan Servicing seems to believe that Student Loan Borrowers are not worthy of the same types of consumer protection and to be clearly and directly informed of their loan terms. At least Fedloan does not believe in providing correct information. Fedloan made a mistake, was informed of that mistake, but has yet to rectify the sitution by providing a CORRECT version of the Repayment Obligation/Schedule Disclosure Statement. That is what I am asking the CFPB to look into. Why does Fedloan Servicing not believe in providing clear, direct, and correct information to a borrower who has been wronged by Fedloan 's gross negligence and mistaken process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX  bank account number : 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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, Equifax received a notice of dispute to reinvestigate inaccurate accounts that are currently reported on my consumer report. It has been 14 days since Equifax have received my letter and nothing has gone into investigation. Nothing has happened. The accounts in question are hereby disputed. Equifax has violated the Fair Credit reporting Act per 15 USC 1681d ( b ) and 15 USC 1681e ( b ). Equifax is now liable per 15 USC 1681o Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX Bank '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX Bank or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX XXXX XXXX XXXX - I have disputed this successfully with both XXXX and Experian ; however, for some reason they are still on my Trans Union report . I have no clue why they would bill me for two separate instances two years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX XXXX XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.

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 2023-07-22
Company: Experian Information Solutions 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:
Investigation took more than 30 days or Their investigation did not fix and error on my 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 2023-07-22
Company: Experian Information Solutions Inc.
State: MI
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, Dept Of EducationXXXX - XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX 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

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 2022-11-03
Company: Advanced Resolution Services 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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today is XX/XX/23 and I had called Check Into Cash a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to Check Into Cash. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 XXXX XXXX contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Ive had several hard inquiries on my Transunion credit report that I have no knowledge of what they are for and never given my permission to do so. I also have incorrect spellings on my name on the inquiries and wrong addresses. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There are several others that I have no knowledge of what they are and never gave my permission for a inquiry of my credit and they are considered fraudulent.

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 2020-01-29
Company: EOS Holdings, Inc.
State: DE
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:
I have disputed this account do to the many inaccuracies contained in its reporting. in my disputes I have repeatedly asked EOS CCA to stop calling my work! They continue to disregard my many written and spoken attempts at having them stop contacting me by telephone and for once to provide me with written notification about what this is for! They still haven't mailed me anything but on XXXX XXXX  before I left work, guess who called! EOS CCA and one of their wonderful and charming agents! Who threatened me with legal action if I wanted to receive something by mail, the smart XXXX! well, since they keep violating my rights and disregarding my requests, I assume you people have some authority over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: CT
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 agree to make payments on a credit card it still continues to show that I did not make payments on a monthly basis. When I have been making them. I will attach prof of some of the payments as agree. I have called them over and over to dispute these transactions and nothing has been done.

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 2021-03-03
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: Account information incorrect

Complaint:
XXXX XXXX should not be reporting to XXXX and Transunion that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX  Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.

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 2023-09-14
Company: EQUIFAX, INC.
State: CA
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:
My credit report is still showing late payments on XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Chime Financial Inc
State: GA
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:
There are multiple instances of my account being charged from XXXX. They have no record of anyone with my social having an account with them yet somehow I have been charged numerous times. I reported my card as stolen and got a replacement only to this to be an issue once again. Then on XXXX I called chime directly to open a dispute for multiple charges including the one on the new card. They have now closed the complaint with zero recovery of the funds and apparently have done nothing to even verify that the account XXXX is charging me for even belongs to me and have not verified my date of birth or last 4 of my social with XXXX because if they did I would have my money back.

Company response to consumer: Closed with monetary relief