BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: UT
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Their investigation did not fix an error on your report

Complaint:
Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Equifax obtained from XXXX XXXX. I informed Equifax & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove those accounts. At the same time that I contacted Equifax, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Equifax consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Equifax immediately needs to delete / remove this now fraudulent public records from my consumer report within their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans union and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Random overdraft 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 2022-05-06
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern Equifax has been sent letters XXXX letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections accounts on my credit report that continues to update. I do not have any credit cards now but XXXX card. Yet I have XXXX hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to dispute these accounts in the past with experian with no success, they can not prove these accounts belong to me, or prove I am the person who opened these accounts, or provide any proof of ownership of these accounts. They do not belong to me, they belong to someone with a similiar name. Also they have to many names listed on my credit report, my legal name is XXXX XXXX, they have XXXX XXXX and they also have XXXX XXXX XXXX, there is 2 other XXXX XXXX XXXX in the state of NJ, I only go by XXXX XXXX, I had my driver license changed to reflect the changes. Below are the accounts I have disputed since XXXX of 2020, these accounts arent mine. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name there is also a collection that is on my credit report, the collection agency has never verified their legal right to this debt that they are trying to collect, also they have never verified the debt they are collecting on belongs to me, nor have I ever been sent proof, experian never provided evidence of their investigations or how they obtained this information. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not 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 non-monetary relief
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: AL
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:
Credit bureaus, experian, XXXX, and XXXX, reporting inaccurate information on report. XXXX XXXX XXXX showing open and XXXX XXXX also showing open, these accounts was closed after CFPB investigation for inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My privacy is supposed to be protected under the Fair Credit Reporting Act 15 USC 1681 section 602 as consumer reporting agencies suppose to insure with fairness, impartiality, and respect for the consumers right to privacy. Transunion and XXXX are consumer reporting agencies and I have the right to protect my private information and make sure it isn't shared which is backed by 15 USC 6801. XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information along with they don't have my written consent. Any and all consent to Transunion, XXXX, XXXX XXXX, XXXX whether written, verbal, non verbal implied or otherwise is revoked. IN 15 USC 6802 ( b ) ( c ) it states that financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer gives a explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. These accounts are adverse items, ( 15 USC 1681C ( a ) ( 5 ) explains and they are reporting again without my permission which is against the law. Also 15 U.S. Code 1681s-2 ( A ) ( 1 ) states, 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. Transunion and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of 15 U.S. Code 1681e.to sum it up,12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2018-06-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the process of purchasing a home and I reached out to Navient for a repayment plan that would best suit my financial situation and to ask why they have reported to the credit bureau 's that my loan was in deferment, when I was in forbearance, not deferment. They put me on an income based repayment program and said that I was not in deferment, and it shouldn't be on my credit report. My mortgage broker 's credit report and my own credit report reflects the deferred verbiage. Also, I made a payment towards my student loans in XXXX, and I received a notice that my total balance has increased as of today, XX/XX/XXXX. HOW? When I call in to speak with their customer service reps, why don't they advise that the repayment amount goes towards interest and that the balance can still go up as you are making monthly payments. Why am i making payments towards a balance that just increases?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased card approx 2 weeks ago, value {$20.00}, at XXXX XXXX in XXXX, MS . Tried to activate card online, using app on phone and by calling, no method works. Have repeatedly called company and been on hold twice for 1 hour plus and other times been told company can not take call. Can not access the $ which I urgently need and company does NOTHING

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 2020-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While in the process of selling our home, my wife and I originated a loan process for another home in late XX/XX/XXXX. XXXX XXXX XXXX, at Fifth Third Bank located at XXXX XXXX XXXX, XXXX XXXX, Indiana XXXX, was the loan officer who assisted in this loan process. During this process she repeatedly told us that we could re-amortize the loan after our home was sold. During this process we were asked for a letter documenting our intent to use proceeds from the sale of our home towards the new loan. The mortgage process was closed on the purchased home on XX/XX/XXXX. Our old home sold and we closed on that sale on XX/XX/XXXX. By agreement, we placed {$100000.00} proceeds from that sale towards the Fifth Third loan and requested the re-amortization to lower our loan payment. After a period of weeks and after not hearing from Fifth Third Bank about the re-amortization, my wife contacted the Fifth Third Bank regional office in XXXX, Ohio. My wife was informed by that office that we had a VA loan and it could not be re-amortized. After hearing about this and contacting Ms. XXXX XXXX, she indicated that she had made a mistake and indicated that the loan could not be re-amortized. We asked that the {$100000.00} be returned and that request was denied. As a result of this, we had to re-finance a conventional loan. This refinancing cost us almost {$4000.00} in loan application and closing costs. We appealed for a refund of the application fee and Fifth Third Bank refunded {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am the only provider in my home now due to Covid 19, I have discussed my problem with this loan company but the keep going to my job. I could be close to losing my employment if they continue. I have told them numerous times not to do this but they continue. What else can I do, until my son starts receiving checks regularly I'm stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX, XXXX XXXX Experian has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX 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 2023-12-09
Company: EQUIFAX, INC.
State: CT
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX called XXXX finance to inquire about 2-3 month deferment due to financial hardship because of this worldwide COVID-19. Was told to call back because car payment wasn't due until XXXX XXXX. Called again this morning XXXX XXXX to ask for the same thing due to financial difficulties. Was told there was nothing they could do or as they said and extension which is similar to a deferment. Asked when will I be able to pay or I can pay half. The representative stated that in order for me not to incur any interest that I should pay something. As if I didn't explain to her that due to unforeseen circumstances of the worldwide Pandemic that's affecting millions. I didn't get any type of assistance what so ever from the company. As you can see by the information they have put up saying they are here to assist during this time yet there hasn't been any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid this company off in 2020. I sent them the receipts of my paid in full letter and they keep refreshing it recently like its fresh. This account is over seven years old and I want this taken off my credit report numerous and numerous of disputes, and they keep ignoring me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2022-03-06
Company: EQUIFAX, INC.
State: PA
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:
Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXX XXXX  XXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: NV
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:
Disputed two transactions and provided proof of the refunds. Chase is refusing to credit my card, has charged me late fees every month - even if payment is on time. They need to credit the {$15000.00} for pending refunds.., and all the months late fees where the payments were actually made timely. I will not be making payments on any cards accounts with them until they correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account has been frozen by the bank, which is Bank of America I cant access my funds. Ive also been told by the bank that my account has been frozen for fraud since XX/XX/2023 XXXX of the month I have also tried numbers of times to try to find out why its been frozen they keep give me 3 to 5 business days, not even telling me why and I cant access my money and I cant draw it out. I transfer money from my checking to my savings which is all cash and I was not able to withdraw it or move it and no ones telling me why I went to the bank multiple times which is three times and I have not gotten an answer through the bank call risk protection I havent got not gotten any answers. No one has gotten back to me to even tell me why just keep putting me off. Im hoping to get this resolved my account has {$600.00} in it which I can not access. Im Also XXXX, and I need these funds to be released to pay my rent.

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 2021-04-05
Company: EQUIFAX, INC.
State: GA
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 disputed the address below but it is still showing on my account.I am not associated with them anymore XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation