BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Experian has failed to respond or investigate my disputes. XXXX and XXXX have responded 2 weeks ago but experian has not. Experian is reporting collection accounts that are not metro2 compliant. Experian has failed to validate the account by providing the consumer contract bearing my wet signature for the negative accounts as a form of proof that the account is true and valid. I WANT ALL NON METRO2 COMPLIANT ACCOUNTS REMOVED INSTANTLY OR I WILL HOLD EXPERIAN LIABLE FOR {$1000.00} FOR EACH VIOLATION THEY FAIL TO CORRECT.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 received a hard inquiry from XXXX XXXX XXXX  XX/XX/22 and want it removed immediately. I did not consent to this inquiry at all. I spoke with XXXX XXXX XXXX they stated that they did not do inquiry. 15 U.S. Code 1681b

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 2022-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
The credit bureaus violated my given rights under 15 USC 1681 According to : 15 USC 1681 Section 602A States I have the right to privacy According to 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 According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.

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 2022-10-20
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted multiple times by a company XXXX XXXX. I have tried to explain that I have contacted Check N Go, which is who the debt was originally from, and they dont have any records of me obtaining a payday loan. This is what I have tried to tell XXXX XXXX but they have said theyre just going to sue me, and my recent call they said theyve sent the paperwork to garnish my wages. I tried to tell the female at extension XXXX dont contact me anymore by phone, I will gladly give you my address so you can send me something by mail. She said that wont be necessary, we are in the process of filing paperwork to garnish your wages and hung up on me. I called them back at XXXX and I kept getting hung up on by multiple females. I finally got XXXX, XXXX to speak with me, I just said I need to speak with your supervisor. She said I had already spoke to him and that he wouldnt take another call from me because theyve already started the process to garnish my wages. I said I just want to tell XXXX of you that I dont want contacted by phone anymore and if they did I would contact the fair credit bureau, she said you dont need to tell us that just go ahead and do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX, from XXXX. It was financed through Bridgecrest. 

The XXXX had multiple issues, including a replacement engine ; however, I still made on time payments to Bridgecrest through auto-withdrawals in XXXX and XXXX. In XXXX, XXXX let me know they are doing a backout on the XXXX, because they claim the mileage didn't match their title ( they actually rolled back the miles, but that's a separate case I have ). 

I approved the backout, and XXXX issued Bridgecrest to reverse my two payments. Which show in the portal ; however, it now shows I have a balance due of those two payments, and for the past week they have called two to three times a day. Every person I spoke to, I explain the situation, they open up my record, and see that I am all good ; however, they must not open my record before calling. 

Also, my reversed payments still haven't showed up in my bank account, they said it could take 30 - 90 days to refund my money ; however, they use threatening terms like they are going to report me to the credit bureau, and they are charging interest, even though they are the ones who issued the reversal. 

Needless to say, I am burnt out, they won't stop calling during work hours, they say they add notes to my file ; however, whenever I talk to them, they apologize for threatening me, and calling me, but still keep doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
The moment I received the duplicate of my report that I purchased with XXXX XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

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 2022-02-16
Company: EQUIFAX, INC.
State: CO
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/XXXX and XX/XX/XXXX, I submitted a request to Eqiufax to investigate a debt that has no creditor information, nor is it a complete reporting account. Ive requested the method of verification, and still zero response. But they have updated my credit file to state that consumer dispute this account. 

There is no chance that this has been investigated properly as you can see from my credit report that Ive attached there is no contact information from a creditor or collection agency. 

It is ridiculous that Equifax can add whatever they like on my credit report and its affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have two accounts with XXXX XXXX Bank and its showing late payment on XX/XX/XXXX and XX/XX/XXXX. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX, XXXX XXXX stole {$360.00} and {$1000.00} from my Chime Checking account fraudulently. I do not know who she is. I disputed the transaction and was denied. Shortly after I was in the hospital for a month. I have XXXX. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. 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 an 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 2022-10-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

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 2022-02-16
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted to Great Lakes a removal of my student loan based on school closing and false pretenses that once I graduate with a degree in XXXX studies I would be helped and will be able to make XXXX figure income once I graduate. That I would be placed with lawyers and law firms in getting a secured job. Once I graduated that never happened the school cancelled further schooling for XXXX studies and no longer supported their promises or claims when I graduated leaving me with massive debt for the program. Not once did they aide me in my quest for a job with any law firm since the year I graduated they ceased any further operation of XXXX XXXX  studies and abandoned me on job searches. Now Great Lakes will not cancel my student loan since the school defaulted on their promises by being bought out during my schooling by the said company that was reported defrauding students on their student loans. I therefore plead my case against my student loan and fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, BBVA shut down Simple, a banking service they owned. They did this at midnight on a weekend with no ability to set up your new BBVA account ahead of time and on the XXXX, their system completely failed converting Simple accounts to BBVA accounts, spitting out error after error locking out customers from their money. 

They offered no communication or explanation beyond a few tweets and do not seem to be working to help their customers. Their XXXX mentions are littered with customers having this issue, all locked out of their accounts with no access to managing their money. 

It is now midday XX/XX/2021, and I am completely locked out of my account. Theres no online support for this issue and the customer service phone line is consistently hanging up on people once someone answers. I have no access to my money, I have no way to close my account, I have no way to move money, and I have absolutely no support from BBVA or any idea how to resolve the issue. Their posted solution ( call the phone number ) does not connect me to a human being. Theres no one I can talk to for help resolving their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a collection and inquiries I did not authorize, please delete

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS : XXXX XXXX {$150.00} XX/XX/2021. XXXX {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021XXXX XXXX XXXX XXXX  {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES : XXXX ADDRESSES : 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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have lived overseas ( XXXX ) for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding foreign addresses. XXXX XXXX XXXX needs US addresses. Hard to provide when I haven't set foot in the country since 2018. XXXX needs zip codes - don't have them here. XXXX doesn't want to even deal with foreign IP addresses. Transunion just sends you to XXXX, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, ipso-facto, the free annual credit report is not free.

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 2015-05-08
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing ( Called GT here ) owns my mortgage loan. My loan has always been paid early! The issue is that GT 's staff is unable to properly process and credit payments when received even if they are made early.. It is impossible to get help by calling and emailing them. I contact XXXX and they say GT owns the loan and it can not be moved by XXXX even though XXXX owns the loan and pays for servicing. I am stuck with GT. Current I paid the monthly payment as billed per GT statement.Now after XXXX phone calls, XXXX emails, a call to the investment company XXXX XXXX XXXX XXXX in XXXX that owns GT and a call to XXXX my account still does not balance. NO ONE AT GT WHO CAN FIX MY PROBLEM IS AVAILABLE TO TALK WITH ME! Anyone who calls is only allowed to talk with someone who can not take any action and simply types some version of your question and syas it is being sent to " them for review ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXX Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.

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