BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please make action on this matter ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MD
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Fidelity Creditors SVC is reporting on my credit report XXXX which is not correct ( inaccurate reporting of the information ). XXXX ( reporting twice on my credit report ) They have not made contact with me about this debt in writing, no phone calls, and have not verified according to FCRA the debt is mine. 

When conducting online research this is a third-party collection agency. Please have them provide the debt is my debt by providing a contract signed by myself to do business with this company or whomever they are collecting on behalf. 

XXXX Procedure in case of disputed accuracy 15 U.S.C. 1681 paragraph 6 B iii Reinvestigation was conducted by XXXX and XXXX they violated the request without providing any information that proved this was my account. They further updated the XXXX XX/XX/XXXX. No proof of this account belonging to me was given within 15 days. 

I want this collection agency to provide all necessary documents which verify this is my account. I would like to see a contract, an address, a telephone, or some form of documentation that shows this is my account. 

A legal address for the company. I do plan to press the issue further this year with a lawsuit. This company has had 60 days to verify and show proof. I have not received any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. 

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

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 2017-01-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company is closing my bank account no loses just disputes over small unauthorized charges after XXXX XXXX of banking with them and hundreds of dollars in fees

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 2023-02-15
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: SANTANDER HOLDINGS USA, INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The Chrysler Capital Finance website My Account has confusing and potentially purposefully deceptive layering. When I log into My Account account summary screen will note that - - in the Amount Due. There is a? next to this and if you follow the prompt, you receive the following info : Amount due includes your next monthly payment amount plus any unpaid past due amounts, fees, and charges ( if applicable ). 
Balance may vary from your statement based on recent activity.

At this point most people, including myself, would say, Oh, no amount due. and log off. I have done this and wondered why I keep getting charged late fees or have missed payments.

If you should go further into your account info, a separate screen, it will allow you to access a Transaction History and will indicate that you do have an amount due and the due date for that payment. ( I have screen shots of both these pages. ) I have questioned late fees and missed payments with customer service representatives on numerous occasions over the course of my lease. I have even been promised refunds of late fees that never happened. 

I am sure that I am not the only one who sees - - amount due and moves on. Chrysler Capital is likely making millions on late fees and, if reporting to credit agencies, negatively impacting peoples credit. They have no incentive to change this confusing account information practice. 

Please look into this. I believe that CC should be refunding late fees and writing correction letters to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MS
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 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I asked XXXX, Transunion, and XXXX to do a thorough search on my credit report and effectively remove the inaccurate reporting of XXXX XXXX XXXX off account. Upon my own investigation and that of XXXX we found the entry inaccurate. XXXX removed the entry completely, the others did not. A copy of XXXX 's results have been attached.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Wells Fargo broke the law by : 1 ) increasing APR on my credit card without any reason - no monthly payment missed by me ever, no any other problems with paying off from my side 2 ) not notifying me properly about the APR increase 3 ) not giving me an opportunity to opt out the changes in the original terms in my agreement with them and not sending me a 45-day advance notice about the increase in APR.

The initial APR on the credit card with wells Fargo was 26.49 %, which was already ridiculously abnormal for a regular credit card with a major bank. 

Then that APR began changing, without any reason and proper notification of me, as follows : XX/XX/2018 : 27.24 % XX/XX/2018 : 27.49 % XX/XX/2018 : 27.74 % Total increase in APR is 1.25 % By filing this claim I opt out all the increases in APR and dispute the difference in APR charged by Wells Fargo on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-02-15
Company: BARCLAYS BANK DELAWARE
State: UT
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:
On XX/XX/2022 my wife, my son and myself used three credit cars to make a purchase with XXXX XXXX XXXX in XXXX XXXX XXXX The original charge was approximately {$15000.00} split fairly evenly between the three cards. 

After the company failed to produce the product as agreed upon in the contract, we attempted to contact company via email, phone and text and could never make contact or receive any call back or email. 

In XX/XX/2022, all three of the cards used put in a fraud claim with their credit card companies and we each received confirmation of a provisional credit by around XX/XX/2022. My letter from Barclays was dated XX/XX/2022. My actual credit came on XX/XX/2022. 

My card alone had the charge reversed on XX/XX/2022 XXXX 's said the charge was valid. This came despite the fact that I have received nothing up to this date. 12 CFR 1026.13 ( a ) ( 3 ) states a billing error for a service not delivered to the consumer as agreed. 

I would appreciate your assistance in this matter. 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 monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MD
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: JH Portfolio Debt Equities, LLC
State: IN
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 in response to this company 's last response to my last complaint. I have went back and forth with this company for some time now about this debt. A BILL is not adequate validation for a debt, period. Yet, a BILL is all that this company can produce when they are asked to provide validation. This account should NOT be on my credit report without proper validation. I have offered to settle this unrecognized debt with this company a few different times and got no response. I will pay half of this unrecognized debt if this company agrees to remove it from my credit report in return, as I am only offering to do that in good favor of us both. I am unaware of this debt and have no validation it is mine. If this company can not produce a copy of my signature showing that I am bonded to some kind of contract with them, then this account should be deleted from my credit report immediately. This company will NOT be receiving any kind of payment from me if they do not agree to delete the account from my credit report in return, so they should consider selling it back to the original company, because I DO NOT OWE THIS COMPANY ANYTHING and I HAVE NO CONTRACT WITH THIS COMPANY. This is not an acknowledgement of liability or any kind of admittance for this debt in any way. JH Portfolio Debt Equities and I have been going back and forth on this issue for a while now and I am sure we can both agree that it would be nice to come to some kind of agreement. If not, then JH Portfolio Debt Equities needs to sell my debt back to the original company.

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 2022-11-13
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:
I sent letters XX/XX/2022 to collection agency XXXX XXXX XXXX to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to Experian credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 experian came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.

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