BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: OH
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 accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX ( Account # XXXX ), have violated my rights. 

15 U.S.C 1681 section 602 A. states that 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. 

The name " XXXX XXXX is inaccurate and is not my name. The Telephone number ending in XXXX is inaccurate and needs to be removed from my personal statement. 

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 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2020-11-04
Company: Premier Student Loan Center
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I graduated from college in the year of XXXX. My student loan servicer contacted me three months after graduating so I can start making minimum payments. I saw several ads throughout social media about a student loan forgiveness program called premier student loan. I called premier in XX/XX/XXXX and they inform me that I have to pay XXXX for six months in order for me to qualify for the student loan forgiveness program. I paid over XXXX in XXXX. In the XXXX, my payments was reduced to {$20.00} a month. I called premier in XXXX of XXXX to provide my tax return information so I can be reinstated and I got a message saying the premier was a fraudulent company. I would like to Be refunded for the money that I lost.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX : {$1700.00} XXXX  XXXX XXXX XXXX Balance XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: AZ
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 the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XX/XX/2022.

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 2019-08-23
Company: Marlette Funding, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2019, a personal check was mailed to Best Egg in the amount of {$4400.00} to close my account. I did the same with many others creditors and all accounts were closed but Best Egg. 
XX/XX/2019, after noticing the funds were not withdrawn from my bank account, I contacted Best Egg and was told by an employee the check was not yet received and that I will be charged a late fee of XXXX dollars every three days if they don't have their payment. Therefore I now owe them XXXX dollars because, " It's been 6 days since my due date. '' XX/XX/2019, I contacted Best Egg and was told they just check got the check and will post later in the day. 
XX/XX/2019, I contacted Best Egg and was told the check was received on XX/XX/2019, but was not sure why it was not posted, " We'll make sure it's posted. '' Today, XX/XX/2019 and the check is still not posted. 
This is an attempt to try and collect more funds through late payment fees. Their actions are unprofessional, deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ALLY FINANCIAL INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with Ally Bank on XX/XX/XXXX. The account was funded by " pulling '' money through an ACH transfer from my account at another bank. After I set up online banking, I got an email stating that due to suspicious activity on my account, it was on hold and I would need to provide additional information before being able to access my account again. I called the provided telephone number and provided all of the identifiable information they asked for. They said that my account was still under review and I would just have to wait to hear back from fraud prevention once more information became available. About 3 weeks after opening the account I had still not heard back, so I called again and was told that my account had been closed. I asked if they were intending to inform me of that and they said a letter would be forthcoming. ( It has been nearly a month from that time and I still have not gotten any letter ). I got an email on XX/XX/XXXX saying that a new statement was available for my account. I found this odd considering I was told the account was closed, so I called back in. After talking to multiple people and spending over XXXX minutes on the phone I was told again that my account was indeed closed. I requested that my initial funding deposit be returned, and was told that they would not be returning my deposit, saying that I would need to dispute the ACH transaction with the other bank if I wish to get my money 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 2021-10-20
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
I tried to dispute with Midland but no response rcvd yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  5. XXXX XXXX XXXX XXXX  {$6400.00}

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 2023-05-04
Company: EQUIFAX, INC.
State: GA
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 been diligently making my monthly payments and finding out that there is a late payment recorded on my account is not acceptable. I have never missed a payment on this account, and therefore, I am requesting that the late payment be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
To whom it concern : I believe my wife and I personal identities have been compromised by a fraudulent agent that stated he was a customer service representative from Back of America. He informed us that {$400.00} was debited from our checking account and he needed our social security numbers and debit card information in order to reimburse us for this fraudulent charges to our account. We contacted Back of America fraud department to inform them of this situation and also contacted the Attorney General of Rhode Island to inform him of this situation. The Bank of America fraud department informed us that they did not contact us and have no record of any customer service representative had contacted us. Therefore, the fraud agent from Bank of America is scam and that we needed to contact social security department and Attorney General of Rhode Island about this situation.

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 2023-01-08
Company: JPMORGAN CHASE & CO.
State: NY
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:
Payments made in XX/XX/2022, XXXX of them, and a payment through credit counseling service and all of them were not applied to the balance of the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Tri-State Adjustments, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company below has placed an old XXXX XXXX account on my credit report opened XX/XX/2014. I have never received anything in the mail from them and I have never done business with them. They are reporting this erronouse debt twice on my credit report with two different balances, {$310.00} and {$170.00}. This negative report has ruined my credit and cause me to be denied for new credit multiple times. 

TRI-STATE ADJUSTMENT XXXX XXXX XXXX XXXX. 
XXXX  XXXX, WI 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 2023-03-24
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:
Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.

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 2022-03-11
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my mortgage company regarding this concern. I previously had other concerns with them regarding my loan modification. After making a complaint through your agency, they were forthcoming and followed the process to addressing my concern. They worked with them in obtaining the documentation. They approved my loan modification. It was approved on XX/XX/XXXX. My first payment was XX/XX/XXXX. I have paid my monthly payment which includes ( principal, interest and escrow fees ) each month. 

A recent concern in which I attempted to address and have resolved, have not been resolved or addressed. The concern is related to an overdue payment that was {$5800.00} that increased to {$22.00}, 680. I noticed this while making my XX/XX/XXXX payment. I called to get an explanation but they were not forthcoming. Additionally, on my account there were many on XX/XX/XXXX mortgage payment reversal or unapplied activity to the account. With the activity, it showed that the payments for the months of XXXX, XXXX, XXXX, XXXX ( two payments posted ) and XXXX reflected as XXXX, XXXX, XXXX, XXXX, XXXX and 152 days late. I asked if this reversal will show on my credit report as those many days late when it was the action of CMG and not mine, applying the payment incorrectly. The represented stated, all payment are in real-time and the payments will show late on my credit report. She said that they can not make promises even stating it was a mistake on their behalf. She further read the consumer credit script. She asked if this was a concern for me. She threatened me and asked if it was a concern for me and stated she would not resolve the concern for me and it was my issue. 

XXXX XXXX, employee id number XXXX. Her supervisor is XXXX XXXX. 

I was on hold for over 45 minutes. 

When she returned to the call and stated that I was due {$61.00} as an overpayment for escrow fees. I further asked why did my overdue payment increase. She gave no explanation for the overdue payment that is reflected on my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer. 

it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted. 

Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines. 

Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent. 

A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently. 

As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.

Company response to consumer: Closed with explanation