BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: SC
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2023-12-04
Company: EQUIFAX, INC.
State: NV
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2020, I purchased a XXXX XXXX XXXX, at the XXXX XXXX XXXX XXXX XXXX. 
The finance manager doctored my contract to inflate the interest payments and add a warranty purchase that I explicitly declined in the contract. 
I electronically approved the following : a ) 1.99 % interest rate for 60 months and b ) warranties and XXXX XXXX were declined. 
I noticed about a {$3000.00} increase on my first billing statement. Upon downloading the contract from XXXX XXXX, I found the terms were changed to the following : a ) 2.9 % rate over 72 months and b ) an additional {$2900.00} in principal for a warranty. 
Unable to resolve the matter working directly with the dealership, I sought legal help and had the following demand letter sent on XX/XX/2020 Warranty and Additional Finance Fees : {$4100.00}, Attorneys fees : {$2400.00} Total demand for damages : {$6500.00} A few days thereafter, the warranty was refunded. No other refunds were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Account Number XXXX. 

Company : XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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'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 bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Checking account was frozen/ process of being closed on XX/XX/2023 by US Bank due to fraud. US bank closed account on XX/XX/2023. My remaining checking account balance was around {$1700.00}. 

I was told by branch manager XXXX XXXX over the phone that the remaining funds would be mailed to my current address in the form of cashiers check. Two weeks went by after XX/XX/2023 and I did not receive anything in the mail. 

I called the US Bank XXXX number on XX/XX/2023 and spoke with the fraud department. The fraud department stated that the information of the cashiers check being mailed to me was wrong and that I was to receive the cashiers check in person from Branch XXXX XXXX XXXX at their location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I spoke with branch manager XXXX XXXX on XX/XX/2023 and he stated the funds would need to be sent to the branch before he could issue a cashiers check to me in person, and that he would phone call me when that has happened. It is now XX/XX/2023 and I have still not been contacted by 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 2023-11-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans with XXXX were discharged ( paid in full ) on XX/XX/23. XXXX, a CSR at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/2023. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Equifax credit report, the debt was not updated and continues to reflect a balance. I contacted Equifax and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Equifax and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Equifax did not update the account to reflect a XXXX XXXX balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Equifax again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Equifax, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay to update my credit bureau reports continue to impact my financial status and continues to report negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: LA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
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, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
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: Investigation took more than 30 days

Complaint:
Experian did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

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 2020-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail dated XX/XX/2020 from Wakefield and Associates, Inc, stating that I had a balance of {$1200.00} owed to XXXX XXXX XXXX XXXX. I contacted this company and they verified, I do not have any balance with them. I never owed any money to this establishment to begin with, nor was I ever contacted by XXXX XXXX XXXX XXXX! I did call Wakefield and Associates to speak about this notice, when asked to provide their license number, the man who called himself, " XXXX '' did not give me this information. When asked to confirm the name of the business and address, he was unable to fully give me the address of this business as stated on the letter I received in the mail. He then asked for my date of birth and other sensitive information such as my last 4 digits of my social security number! Definitely did not disclose that information with him over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
THEY CLOSED MY ACCOUNT AFTER I CALLED IN TO ENQUIRE ABOUT CREDIT PROTECTION, THAT PAYS PAYMENTS WHEN YOUR OUT OF WORK OR ON XXXX. I DID NOT AGREE TO A PAYMENT PLAN PROGRAM THAT CLOSES YOUR ACCOUNT WITH REDUCED PAYMENTS. I HAD AVAILABLE CREDIT AT THE TIME, SO THEIR WOULD BE NO REASON I WOULD REQUEST THE ACCOUNT TO BE CLOSED. PLEASE HAVE THEM RE-OPEN MY ACCOUNT, FOR THEY HAVE NOT BEEN ABLE TO PRODUCE ANY SIGNED PAPERWORK NOR THE ACTUAL RECORDED CALL. THEY HAVE CALL CENTERS OUT OF XXXX, AND THIS IS WHAT HAPPENS WHEN THERE IS A XXXX XXXX AND THEY DONT UNDERSTAND ALL THE FACTS. THE REP DIDNT DO THEIR DUE DILIGENCE.

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 2023-11-02
Company: EQUIFAX, INC.
State: NY
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 have submitted several disputes to remove all late pay and collections. I have stated all laws and according to 15 USC 604 validation. and nothing was validated or removed. i am trying to meet a XX/XX/XXXX closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/19 Suppose maximum loan I QUALIFIED for ... per Loanme pulling my credit report : 1. {$10000.00} ... Terms = 79 % interest ... 84 month installment payments at {$660.00} per month ... {$2000.00} origination fee. 

2. {$7500.00} ... Terms = 79 % ... 84 month installment payments ... at {$490.00} per month ... {$2000.00} origination fee. 


XXXX. {$5000.00} ... Terms = 135 % ... 84 month installment payments ... at {$420.00} per month ... {$75.00} origination fee. 

Loan agent XXXX XXXX straight out bamboozled, flatout lied, misrepresented, and old school BAIT/SWITCHED, in addition to making me jump through a hoop like a DOG, having to provide all pages of my utility bill. When at inception I was told all I needed was to have my credit successfully ran, and to provide California DL, and my SS card for the successful sale from what I was originally purchasing. 

Which was going to be the {$5000.00} loan with the above terms. In the end of supposedly being fully approved he comes to me with the ( attached ) deal of {$3100.00} ... 135 % ... for 47 month installments ... at {$350.00}! Straight institutional racism at it's finest, when a person of XXXX is down on his fortunes, and in need!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Nelnet, Inc.
State: GA
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:
This new complaint should be tied to current complaints in the process. 

XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX servicer XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal student loan servicer during this period was Nelnet. Nelnet was very prompt in providing notifications and details regarding loan increases to my consolidation student loans along the period when the repayments would start. However, Nelnet was not quick about relaying information on extending the Covid relief program, which suspended all federal student loans and accrued interest. They did not correctly provide details on how these temporary programs impacted my account and obligation. 

Nelnet 's lack of notification put me in a very pressured situation to find a new lender which could offer better interest rates to reduce payments I would be expected to pay with the increased amount of XXXX XXXX XXXX loans added to my consolidation amount. I selected XXXX in XX/XX/XXXX as a private lender to aid in consolidating my loans at a lower rate. Unfortunately, I got the payoff from Nelnet, who never acknowledged or notified me that the Covid Relief program was extended. I did not receive a notification until XXXX XXXX XXXX well after I had completed the consolidation with XXXX ; in fact, XXXX provided a payoff amount well over the amount necessary to pay off the loan consolidation for my Federal Loans. Instead of notifying them of the overpayment. Nelnet proceeded to pay my federal loans off and wire the amount that was over the payoff amount back to XXXX without any communication with me or request to update the payoff amount. 

XXXX took the funds returned from Nelnet and applied this amount to the principal balance of the new private loan consolidation. When I asked XXXX the reason for the additional funds added to the payoff amount, I was told that it ensured there were not any other amounts due to accrued interest or missed payments. Nelnet should have not only contacted me but also notified XXXX XXXX XXXX  of this situation in which a loan service should be aware and have proper knowledge of the terms of the XXXX XXXX Covid relief program. This situation will affect my credit and the opportunity to take advantage of new relief programs with the Federal Government to reduce federal student loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2021 on my chime account I tried to send a money transfer of {$380.00} to wrong person but the person has the my phone number linked to there account so it sent the money to them and chime Doesnt have option to cancel or stop a money transfer at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I signed for the credit card relief act with Chase. At that point I only had only missed payment on my record with them. My payments were suspended from XXXX 2020. XXXX I made a payment even though not required in the amount of XXXX. XXXX I made two payments totaling XXXX. My history that JP Morgan Chase is reporting is 5 times 30 days lates which isnt remotely accurate or possible. I cured the late from XXXX. XXXX was XXXX dollar payments yet I made a payment in the amount of XXXX. I would like Chase to immediately correct what they have been reporting to all three credit bureaus. My next course of action will be contacting an attorney for legal representation to file a small claims lawsuit. I like Chase for the most part yet this is ridiculous and erroneous and not to mention was not part of the credit care relief act enacted this year. Once the late was taken care of. All payments were suppose to be reported as current. Which has been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act of XXXX XXXX XXXX # 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2022-04-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation