BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to Equifax but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 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 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 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 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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:
noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( except

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 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
The Account number XXXX reported by XXXX needs to be removed from my credit report because the 1st date of delinquency reports as XX/XX/2022 which is incorrect still but being allowed to report any way. Remove this incorrect account I did not receive any notice of this collection because there wasn't one. It also reports activity after the date or first delinquency which is also incorrect so remove this account. This is not a collection and has been paid off on time. 

I tried to have Experian verify the accuracy of said data to which they updated my credit report with erroneous information again. During a time of recession this is extremely stressful, as a XXXX  father no less.

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 2017-07-17
Company: Experian Information Solutions Inc.
State: AR
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 called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-29
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I've sent three credit report disputes to XXXX, XXXX and Equifax. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Navient Solutions, LLC.
State: AR
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 TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. XXXX  AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXXXXXX Apartment complex XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single 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 non-monetary relief
Consumer complaint received 2021-06-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/202030 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
According to the information on my profile I have paid by over $ XXXX to my loan that had an original balance on it of $ XXXX. I did defer it a couple times right after college but it has been paid consistently without one late payment for 7 years. From XX/XX/XXXXthere are capitalized interest additions totaling something like {$8900.00} because of deferments I apparently put into motion, but in addition to those capitalized interest charges, were late fees. I have been paying on this load since XX/XX/XXXX. I understand there may be significant interest, but this is crazy. I am going backwards and terrified. I spoke with a woman XX/XX/XXXX for over an hour who was rude and condescending. I spoke with another woman XX/XX/XXXXwho was nicer but had no interest in helping. 
This all came to light when I noticed my payments were not being deducted from my bank account. I checked on the Navient website and found my account was put into deferment. I did not request a deferment nor did I authorize one. So no months later ( because I did not realize at first ) I was given the option of paying all of the monthly payments at once and late fees or the capitalized interest in the amount of {$970.00} for a deferment I never requested or authorized. 
I have asked for assistance in repayment options to help find ways to see the reduction. I have asked for a breakdown to better understand how this can be a truthful business operation and not a scam. How am I going to help my son with his schooling? 
I would like loan forgiveness for the remaining balance of this loan. A $ XXXX loan over 20 years at 6.5 % is $ XXXX/month. I have already paid this off and then some. 
Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CHASE RESTRICTED MY CHECKING ACCT. ENDING IN XXXX ON XX/XX/ without notice, explanation, violation of Prvacy Act, by branch officer by forcing military type " drilling '' tactics on a vulnerable Mississippian forcing me to leave without filing a claim or looking into accounts activity. I've had NO cash since XX/XX/XXXX making me physically sick which is documented. Since i have not had access I don't know what or what has not been done, what's been hacked,? I know Chase will do nothing! They treated me as if I was the Hackers doing this to myself. IAccussing me of giving my password to Hackers when i told him repeatedly that i DID NOT. GIVE ANYTHING TO ANYONE! 
got a copy of these bogus checks that are comical that anyone would spent anytime on them at all! Chase thinks that I " running some kind of check fraud scam I guess! l. See camera footage. 
IM A VICTIM I'M NOT HACKERS ON DARK WEB!!! 
AS OF YESTERDAY, MY SSA HAS BEEN HACKED & DIRECT DEPOSIT CHANGED TO GO TO HACKERS ON XX/XX/XXXX. ALL THANKS TO CHASE NOT BEING TRANSPARENT WITH ME SO I COULD PROTECT WHAT LITTLE I HAVE LEFT. Chase is working with the Hackers not the victims or consumers! 
Discrimination on the Vulnerable because I live pay check to pay check or because I wear a metal leg to walk with or a came ... doesn't make me any different then anyone else. Why treat me differently?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is over 10 years old and all of a sudden they are trying to collect. They have called my place of employment and harrassed me. I am attaching documentation for this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the XXXX Data Beach because i received a letter in the mail from XXXX letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L.

115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXXXXXX XXXX XXXX {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2017-07-17
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ABC Financial Services keeps calling my phone number and sending letters demanding payment of {$10.00} and {$9.00} biweekly even they were notified by me and the XXXX XXXX XXXX Downtown  that Agreement # XXXX Member # XXXX was terminated on XXXX XXXX, 2017 due to XXXX non-compliance to provide items as per agreement for the XXXX Shower floor mats, and other items, and due to the abusive racial slurs made directed to me, a XXXX years old senior citizen with XXXX XXXX. XXXX have accepted the termination of this agreement, therefore, there is no longer charges of dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Someone Used my account and deposited checks in my account. I tried to contact XXXX multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. XXXX have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is 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