BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted : XXXX XXXX XXXX - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS EQUIFAX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, XXXX, AND EQUIFAX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! EQUIFAX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-02-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out these loans with Navient in XXXX and XXXX. One was for XXXX and the other was for XXXX. I currently owe over XXXX on both of those loans combined. I had been making payments consistently since XXXX at least on an income based rate reduction program. Before that the account was being put into forbearance and I was paying {$100.00} per month. I was not given the option before XXXX to do a rate reduction program. I was instead steered into a forbearance and now the interest that has been applied to my loans has made it impossible to even think about paying these off. I am confused about how loans totaling XXXX have turned into over XXXX and I have been making consistent payments since 2015. I realized that I was affected the same way the students that started that class action case were. I have not made a payment on the account since XXXX and the account has now been charged off. They are calling saying they can garnish my wages if I dont pay. I have received wrong information from their representatives this entire time I have been dealing with Navient. Now a loan that was supposed to be paid off in 20-25 years will take 50 years to pay off because of their bad practices and false information provide to me. The loan has now defaulted and they want me to pay the full {$77000.00} which I do not have at this time. Even though I have requested a cease and desist they have still been contacting me and my grandma about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TD BANK US HOLDING COMPANY
State: SC
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:
Hello, I had a vehicle, a XXXX XXXX XXXX. I bought it new in XXXX and the loan was through TD Auto Finance. In XX/XX/XXXX, I sold the car to a private party. He paid cash with a cashier 's check into my bank account. I called TD Auto Finance to discuss the pay-off of my account. I was told to wait to make sure the cashier 's check posted, then call back and I had to conduct the pay-off over the phone. I called back again once the check cleared and was told by the customer service rep that I could not do pay-offs over the phone, that they were online only. So, I went online and made my pay-off of {$44000.00} on XX/XX/XXXX. Several days later I get an email saying there was a problem with my payment and it was returned due to " insufficient funds '' even though I had the money in my bank account to cover it. I called TD again and was told that I could only make payments online of up to {$40000.00} and that is why my payment did not go through. The rep told me to try again with two separate payments of {$20000.00} each. I did. The first payment was declined because I indicated it was a savings account instead of a checking account, even though when you make a payment online, it did not give me the option to choose. So then I try again ( for the 3rd time ). Then, my payment is declined because they were " unable to locate the account ''. I called TD again. The next person ( 5th or 6th person I've talked to at this point ) told me that you can only make pay-offs over the phone and you can only pay up to {$10000.00} at a time and only once every 24 hours. Then the 8th person I talked to told me I could make up to 5 payments in 72 hours. So by this time, I am highly upset at this company because every single person I talked to had something different to tell me. I eventually got the loan paid off by using their phone payment system and making {$10000.00} payments four times, plus an additional payment of the remainder. Now, mind you, another payment has come due that I was required to pay even though the car had been gone for a couple weeks. So TD Auto Finance got me on that one. I signed a contract with the buyer that I would pay off my account in 72 hours and instead, it took 5 weeks. I finally was able to send him the title to the vehicle yesterday, XX/XX/XXXX. TD Auto Finance, I feel, was using tactics to prevent me from paying off my loan. I personally believe that they did not want me to pay off this $ XXXX auto loan because of the interest they were making on it. I feel like I was taken advantage of and that they were doing this on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Experian removed 7 inquires off my report, report number XXXX. 

Now 15 U.S.C 1681n ( b ) states they owe me {$1000.00} per violations, now thats {$7000.00}.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Bureau have been asked repeatedly to validate debt due to inaccuracies in reporting. No action has been taken to validate the debt. Reporting does not meet FCRA requirements and is limiting my ability to build credit appropriately.

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 2022-09-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXXt Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX  # XXXX, Account : XXXX card # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account : 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 2022-02-28
Company: EQUIFAX, INC.
State: OH
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:
Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditor so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-06-30
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 belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BAM Management US Holdings Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Binance US has locked my funds for months. 

They have not answered my many emails. 

They say " withdrawals suspended due to risk management ''. 

This is money I need to pay bills, they are not letting me withdraw nor transfer out since XX/XX/XXXX. 

The latest day I tried to withdraw my money directly to my linked bank account was today and it was denied again. 

Please help in an urgent manner. They have been recently banned from XXXX and the XXXX. I fear a lot that my money has been lost forever. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Siggi LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a loan with Omni and got kicked out of the XXXX and they sent it to collections but still adding interest Im in a payment plan but they say if I dont pay the full amount witch is now more then I got the loan for its gon na keep getting interest I need help it is now affecting my credit I cant get a place to live its affected a lot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
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:
Experian & XXXX  have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt removed from 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 2021-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 have been disputing several accounts on my Experian credit report, they continue to remain when in fact there fraudulent accounts. I have submitted proof showing that its fraud, submitted ID Theft report, my license, a utility bill showing their information is in correct. The creditor XXXX XXXX has closed theses accounts, they have no information that pertains to me on file. I would like for these accounts to be removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: 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: Closed with non-monetary relief
Consumer complaint received 2022-02-28
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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently reviewed my credit report. I am unaware of the address and jobs that is reported on there.Please remove any address and job off my credit report that does not belong to me

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