BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have spoken with first Virginia several times over the last week. I informed them my income changed and was struggling to pay loan. I worked with their corporate office and attempted to do partial payments. I really couldn't afford them but was trying to make an effort to do something. Now the loan is so far behind its about to default and all this interest and fees are being placed on account. On XX/XX/18 I spoke with corporate office a lady name XXXX who had left me a message 2 days prior saying that it would be too late if I didnt call back in 3 days this was left in my voice mail. When I called back she told me that only option she could offer is for me to pay {$270.00} I believe and they would match that and make a payment for me. I told her I cant do any where close to that she told me to call back and talk to customer service see what they could do after default. I called on XX/XX/18 and spoke with the manager I  believe his name was XXXX of the first Virginia store in XXXX XXXX XXXX XXXX PH # XXXX I spoke with him on XX/XX/XXXX as well and had been calling him since Friday afternoon because he had told me he was going to see what he could do to help me and call me back but he never did so I called him. he offered the same for me to do payment of XXXX and they will match that and make a payment or do s payment of XXXX and that will make account 30 days past due. when I told him I could only do XXXX and do the rest my next pay day to make the payment XXXX he said that wouldn't work because another payment will be do. Then he started to threaten me and tell me if I didnt do one of the options and it defaults I wont have any money anyway because they will take it was his exact words. he said I needed to make a decision before they take it I told him there isn't that kind of money in my bank account he said no they will take from your paycheck and you wont have a choice. And that if I get something figured out call him back. He was very rude and threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-07
Company: Prosper Marketplace, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was solicited by a credit card company called " Prosper '' with a pre-approval for credit - I accepted the approval after calling to discuss the details in which I was advised that the company would waive their one-time annual fee of {$39.00}, which was fairly low to begin with but not justified as I have much higher credit limits with no fee and advised " Prosper '' at the time I would not be interested otherwise. I received the card and called in as a fee was noted, I did not activate the card at that time as the company said they were wrong and could not or would not waive this fee- I therefore advised I would not be activating and to close the account. The company 's customer service after several calls agreed to cancel and refund the fee - however I received a bill in XX/XX/XXXX with the fee. I called back and spoke to their customer service again and was advised it was likely send in error as they were addressing it. Today : XX/XX/XXXX at around noon EST I received an agressive collection call toward this {$500.00} ( and I point that out as it's a bit pathetic they were agressive when the initial limit was only {$500.00} ) credit limit stating I owed approximately {$60.00} to include the annual fee and now a late fee and they demanded to know why I was late - to which I went into the above statement. This nearly cost me my job because they would not work with me nor would the company allow me to escalate, nor would they cancel the account and bill me where I could dispute it, nor would they even provide help with the account details so I could call back to dispute nor would they even provide me an address to have an attorney send them formal communication. This has been a very surreptious and scandelous company and all I have been seeking to do is close down this account as I did not activate the credit card, did not use it as I mentioned it was never activated, and as I destroyed the credit card the moment I cancelled back in XXXX, I did not have the credit card information to work with and the company made it very difficult for me as they claimed my SSN/DOB etc. was not sufficient. I did eventually get the credit card number and was able to provide that but the company after aggressively demanding I pay the full total before they would so much as cancel the card or account, I am now filing this complaint as I will likely be at risk of fraud with an account open that I have been denied access to and access to cancel.

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 2023-08-31
Company: EQUIFAX, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''

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 2019-07-30
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: Account information incorrect

Complaint:
I sent a letter to Equifax and XXXX after disputing the inquiries with the original companies. I also contacted them and nothing was corrected. I did not authorize the following inquiries on my EQUIFAX/XXXXreport. I requested them to remove the inquiries since I did not authorize. 

EQUIFAX REPORT XXXX XXXX-XX/XX/XXXX- I have an open account currently with them. That account resulted from a different inquiry date XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX-I have an open account with then. That account resulted from a different inquiry XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX REPORT XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX an account was opened that I did not authorize . I do not have a XXXX XXXX  XXXX-XX/XX/XXXX-I have an open account with them that resulted from a different inquiry date. 
XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-24
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: Account information incorrect

Complaint:
ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2023-08-23
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
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:
I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.

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 2022-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00}

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 2023-01-24
Company: Experian Information Solutions 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:
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 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 An 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 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 2022-05-20
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX - I submitted a dispute with Experian inquiring that the creditor ( XXXX XXXX XXXX XXXX XXXX  ) agreed to remove a 30-day late payment dated XX/XX/XXXX from my report, attaching official correspondence. 

The Experian Report Number XXXX ( XX/XX/XXXX ) shows that the completed dispute DID NOT remove the XX/XX/XXXX late payment. Instead, Experian chose to fraudulently move the 30-day late to XX/XX/XXXX. I was NEVER late on XX/XX/XXXX and have attached the XX/XX/XXXX statement for your review. Please also review the attached Experian Report Number XXXX, showing that the 30-day late was moved from XXXX XXXX to XXXX XXXX. 

XX/XX/XXXX - I refiled another dispute stating that the 30-day late payment was never removed but instead moved to XX/XX/XXXX. I even called a specialist expressing my concerns, only to be brushed off, saying the dispute was already in process. This is ridiculous as he never bothered to take notes. 

XX/XX/XXXX - The completed second dispute ( Experian Report Number XXXX ) reflected that nothing was done with a message from an Experian Specialist stating, " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' I found this baffling as Experian fraudulently moved the 30-day late from XXXX XXXX to XXXX XXXX and is now refusing to remove the 30-day late because it does not fall on XXXX XXXX anymore. This shows that Experian did NOT even read or acknowledge my dispute concerns on both the online dispute AND the phone call. If they had read my dispute explanation, all of this would have been quickly resolved. This ordeal has caused me so much distress as I can not qualify for an ideal interest rate for an upcoming mortgage due to the carelessness and abuse inflicted by Experian. 

I have attached both Experian Report Numbers from XX/XX/XXXX ( Report Number XXXX ) & XX/XX/XXXX ( XXXX ) for your review. Furthermore, I have also attached both XX/XX/XXXX & XX/XX/XXXX XXXX XXXX statements reflecting that I was only late for the month of XX/XX/XXXX. Lastly, I have also attached the official correspondence from the creditor " XXXX '' agreeing to remove the 30 days past due reporting for XX/XX/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 2022-02-07
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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:
In XXXX of XXXX, FED LOAN took possession of my student loans. FED LOAN is inaccurately reporting 15 late payments starting on XX/XX/XXXX through XX/XX/XXXX on all 3 of the major credit bureaus. On XX/XX/XXXX, my student loans were in consolidation, and the next due date was due on XX/XX/XXXX. I have submitted an attachment listing the information. 

On XX/XX/XXXX, I talked to XXXX id # XXXX who stated that my loans were in forbearance for 30 days, which I believe this is inaccurate because the loans were consolidated. I have submitted an attachment listing the aforementioned information. I am unable to resolve this issue with FED LOAN because every time, I call the staff was impolite and were unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2019-07-30
Company: Experian Information Solutions 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 have submitted letters to each XXXX, XXXX, Experian regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...

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