BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-10-30
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was applying for a new credit card with Amex due to the welcome bonus offer, which states that I can ear {$200.00} in statement credit after opening {$2000.00} within the first XXXX months. After activating the new card, customer service informed me that the offer was " declined, '' but I did not receive any indication during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts and inquires are listed. Please see the below accounts and inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-12
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: In progress
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We had a car loan with Bank of America, the final payoff amount on XX/XX/XXXX was approximately {$64.00}, the bank continued the automatic withdraw we had been paying for the life of the loan at {$740.00}, about {$670.00} dollars more then we owed them. We called the Bank and were told they would process the credit and give us a refund, in the next two weeks or more. They are not compensating us for interest and banking fees and we are just supposed to accept as standard operating procedure. If we were late on a payment, I would receive a whole list of fees and interest. They basically stole money from our account that we did not owe and we are being told to be grateful they will give it back to us sometime in the future. On top of this they closed our account since no balance due and removed our access to the account. However we are owed money from a closed 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 monetary relief
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: MS
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:
I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.

Company response to consumer: In progress
Consumer complaint received 2022-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX we contacted USAA about charges on our account. They were from a subscription that I had canceled but they were still charging us. We talked to some wonderful representatives ( who also refunded us OVER {$1000.00} in NSF fees from the bank reordering our transactions... see other complaint ). We found over XXXX times our card was used without authorization from this company and at the time had XXXX credits placed on our account of {$79.00}. Fast forward to XX/XX/23 and after no contact from USAA about the investigation or asking for documentation, we get hit with XXXX charges of {$79.00} labeled as temporary credit rev. What happened to talk to your customers? What happened to communication?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX  card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to 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 2022-05-25
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Caine & Weiner Company , Inc. for committing identity theft. I have never given Caine & Weiner Company , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Caine & Weiner Company , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Caine & Weiner Company , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Caine & Weiner Company , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a Chime debit card in the mail - never applied for it never gave them my information but received it in the mail. I contacted Chime and had the account closed but am concerned that the account could be opened without my knowledge or without my applying for it. I believe it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from capital one should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX XXXX XXXX and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On several occasions I have attempted to come to an agreement for a repayment plan now being in the military and they have explained, " we have no military benefits available ''. 

Recently I have been redirected on occasion to XXXX XXXX XXXX while attempting to reach Navient. I am not sure if Navient is selling certain loans off or if they have simply created another entity in order to avoid yet another lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

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 2022-12-03
Company: OneMain Finance Corporation
State: IL
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the month of XXXX my husband and I were sick with XXXX  and were unable to work due to covid isolation and symptoms x 14 days each for a total of 28 days in the month. My mother had a XXXX  XXXX causing XXXX  which also required out of state travel and was unpaid work leave x 3 months. Our in laws had their house burn down. My husband lost his job. We provided proof of all of these events and paid our Mortgage XXXX  days late. Freedom mortgage applied a late payment despite our requests for them not to with proof of hardship. Our credit scores dropped by over XXXX points despite our repeat attempts to work with their resolution department without this removed from our credit reports.

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 2022-05-25
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Action Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments. 

While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf. 

A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my behalf.

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 2022-05-25
Company: EQUIFAX, INC.
State: NJ
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:
Applied for credit card on XXXX/XXXX/2021 with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Applied for credit card on XX/XX/2021 with 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