BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}-

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 2023-01-02
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: Personal information incorrect

Complaint:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Since the settlement agreement regarding XXXX XXXX I've made calls on several occasion to get my private loans discharged, was transferred to the military coordinators for them to tell me that they have no answer to getting those loans discharged. I was told to continue to pay to this fraudulent private loan. I even submitted a loan discharge application, haven't heard any feedback regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: FlexShopper, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have an installment plan with flexshopper that I have been paying on for quite sometime. I have run into some financial struggles with Covid and have reached out several times for someone to get in touch with me about what options I have. The installments are for anXX/XX/XXXX and a separate super disk for the computer. I am already paying {$1400.00} more for the computer than it is worth and {$65.00} more for the extra disk drive due to the computer not coming standard with one, which the description of the computer doesnt provide. Ive been paying on this computer since XXXX paying out {$1200.00} towards the device already when its cash price is {$1000.00}. I have paid {$82.00} towards the super disk since XXXX which has a cash price of {$130.00}. I have paid enough in on these devices to own them outright and when I have contacted the company several times due to Covid related money issues all they want me to do is call them. I dont have the option to call them and sit on the phone for hours. Ive requested someone to email me with my options and I never get anything other than to call them. Now they are sending me emails telling me they are going to cancel my contract and Ill be required to send both devices back to them. Ive paid enough money on both of these to own them and they just want to threaten to take them back. I dont see how this is fair or reasonable.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.

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 2023-05-28
Company: Upgrade, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 usc 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We filed a dispute in XX/XX/2020 against a vendor named XXXX for fraudulent charges. Since that time Citi Cards has made no real progress and in fact we do not think that we have been fairly represented. 
1st Citi Card opened the dispute for the wrong amount : we filed the dispute for {$16000.00} and not {$1900.00}. 
2nd Citi Called and tried to close the dispute for what they interpreted as credits of {$17000.00}, but had they read the dispute they would realize that this figure was over-billing error corrections/credits and not a refund of the fraudulent disputed amounts. 
3rd I get a call from Citi Cards ( XXXX ) on Thursday XXXX XXXX regarding the dispute, and she had no knowledge of the details of the dispute which we had filed nor any of the communications that had transpired since we opened the dispute. So we had to start all aver again by resending the dispute details. 

I am a long time card holder and I feel that I deserve better customer service than this. I am hereby appealing one more time for Citi Card to provide me real and fair dispute resolution, which I am entitled to as a card holder.

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 2023-11-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They keep changing the price on the vehicle through the credit agency all three the credit report has changed the number that I owe on the vehicle its been going on since 2019 and still changing what I owe on that car I put 5 motors in that vehicle they refused to pick it up last month I owed XXXX  on one credit report this month it's over XXXX on one credit report the other one it's over XXXX and the same on the other one XXXX they keep jacking up the price of this vehicle that I don't have they are the ones refused to pick it up I even told them about the motors in this vehicle too it should be against the law for them to have jacked up the price on this vehicle

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 2023-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan on my XXXX XXXX with Toyota Financial. I made an extra advance payment of {$3000.00}, but Toyota FRAUDULENTY took {$770.00} of that payment as interest. I called them and they agreed to apply the entire {$3000.00} towards principal. However, instead of doing that, they simply reversed my payment and reverted the amount of my loan to what it was BEFORE the {$3000.00} payment. I called 4x and STILL NOTHING. THEY ARE INCOMPETENT XXXX XXXX XXXX. THEY STOLE {$3000.00} FROM ME! 

Please help as calls and online messages are completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Personal information incorrect

Complaint:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

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 2023-01-02
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: Personal information incorrect

Complaint:
I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each 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 2020-08-18
Company: CITIBANK, N.A.
State: TX
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 have a loan with BLOOM/DSNB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BLOOM/DSNB with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 120 days late.

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 2023-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
CHASE XXXX XXXX XXXX XXXX XXXX, IN XXXX Questions? 
XXXX www.chase.com XXXX XXXX XX/XX/2023 Update : Date of Inquiry : XX/XX/2023 Claim Number : XXXX Card ending in : Claim related to Account ending in : XXXX We have updated information about your claim Dear XXXX  We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. We're available Monday through Friday XXXX XXXX to XXXX XXXX XXXX or Saturday XXXX XXXX to XXXX XXXX XXXX 
Sincerely, Customer Claims Department Enclosure 1The term " account '' is used to represent both deposit accounts and prepaid accounts. 

Disputed Transaction ( s ) : Transaction Description Date XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX payment to XXXX XXXX : XXXX XXXX payment to XXXX  XXXX : XXXX XXXX payment to XXXX XXXX : XXXX Merchant Description ( if available ) Transaction Amount {$400.00} {$500.00} {$500.00} Disputed Amount {$400.00} {$500.00} {$500.00} On XX/XX/XXXX, I had my phone and wallet stolen. The individual used my facial recognition while I was asleep to access my device and log into my accounts and transferred funds using XXXX. I filed a Report with the XXXX. After receiving report I submitted to the bank as proof to show that this was not me and that I didnt approve these transactions. Chase still refuses to add the money back to my account after to attempts. In the mean time the XXXX has issued a subpoena for these fraudulent transfers and the bank still refuses to recognize theses multiple transactions as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2023-01-03
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation