BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late XX/XX/XXXX, I received alert about several hard inquiries on my credit report. I called all companies on my report at that time to report fraud and those hard inquiries have since been removed. Most of the accounts failed approval because they could not complete proper documents to get approval. 

Two days ago XX/XX/XXXX, I noticed a significant drop on my credit score provided with my credit card statement. It turns out this was secondary to a delinquent account with XXXX XXXX that was sent to collected via CREDIT SYSTEMS. Apparently an account USING MY SOCIAL was opened XX/XX/XXXX and closed in XXXX of XXXX. There is not a balance of {$360.00} unpaid. This was done in XXXX. TX, where I have never lived and where I have no family/associates. 

While looking at my experian credit report, I also noticed 4 hard inquires for which I am not responsible. One was with XXXX, one with XXXX  XXXX, one with XXXX and one with XXXX. I did not apply for any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I had a name change through the clerk of courts, First, Middle, Last name has completely changed. However I mailed Experian XX/XX/23 to update my personal name. I sent in all the documents that was asked which was copy of social security card, court documents and copy of Identification I also sent in an updated birth certificate. I called them XX/XX/23 to get an update to see if my information was updated in their system. I was told at that time my information was not updated, that it will get updated while I was on the phone with them on that day. Fast forward to today XX/XX/23 I was logging into Experian portal trying to request an updated report so that I may start working on my credit, only to find out my information is still the same. I called to let them know my information was not updated and how they told me that it was only to get told that I needed to verify I asked them why I need to verify if I mailed in all my documents. They said the system takes time and said they dont know when it will be that my information gets updated and they will put in a ticket but they still wont know when it will be that my system get updated! Im kind of confused of why its taking so long being that XXXX and XXXX has already updated in their system. This slows down the process of me disputing and fixing on my credit so that I may qualify to get an home. Can you please help me

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 2022-11-21
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
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:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with TransUnion, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted XXXX several times to get this false information corrected. I was told by XXXX to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call XXXX I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at XXXX but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted TRANSUNION directly several times and submitted documents from XXXX saying the payment of {$400.00} was made on XX/XX/XXXX. TransUnion says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both XXXX and TransUnion and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to TransUnion they have not corrected the false entry. XXXX is telling TransUnion the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by TransUnion and XXXX and still nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

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 2022-11-21
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  We purchased a used vehicle together in XX/XX/2022. I was not able to pay the note due to the fact I have XXXX XXXX and have not been able to work. I was not working when we purchased the vehicle. My XXXX and I XXXX XXXX XXXXXX/XX/2022. During the XXXX  I had spoke with the finance company and explained to them the situation. I asked if there was a way to get an extension or roll the payment to the end of the note. I was told they could offer me no help till there had been XXXX payments made on the vehicle. They proceeded to call me daily XXXX XXXX XXXX times a XXXX and called even after they were spoken to. They have called my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Even after we have spoken to them. My XXXX  and I made XXXX payment on XX/XX/2022. The finance company started calling us on the XXXX about being XXXX XXXX past due on XXXX 's payment. We had setup payment arrangements with them to get the payments caught up. They have proceeded to call both my XXXX and myself XXXX to XXXX XXXX XXXX XXXX. We have spoken with them a XXXX times and told them we had payment arrangements setup and we were told that they would continue to call us till the account was current or we gave them a credit card number or bank account information to charge our account. We no longer want the vehicle because we are tired of the harassing phone calls XXXX XXXX XXXX XXXX XXXX XXXX. We would rather have our credit ruined than to deal with this finance company anymore.

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 2022-11-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial is removing a portion of my extra princible payment and calculating it as interest. Since when is their interest on an additional interest payment towards any loan? my monthly payment is paid the same time every month, there should be not interest on additional principle paid separately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.

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 2023-01-30
Company: College Ave Student Loan Servicing, LLC
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
CollegeAve loan company is the company I have a private student loan with right now and I have filed a complaint against them very recently over their collection practices of harassing me AND my parents to collect on the loan I can't afford to pay any longer. I was told to call XXXX to arrange payment/settle. So I did. The gentleman I spoke with refused to even settle for half and instead sent me to a benefits specialist to see what kinds of " options '' I had until I could make payments. He refused to understand that I could no longer afford payments. So whoever responded that I could call the above number to offer settlement absolutely LIED to me. They don't care that I can't afford payment and won't be able to afford payment in the future. They want ALL their money. In case they haven't noticed, inflation is sky high. Food prices, gas prices are through the roof and my house payment has gone up due to prices of everything else going up. My homeowner 's insurance has gone up, which made the house payment go up. The property taxes went up as a result of the increased home values. That ALSO made my house payment go up. My car insurance has gone up as well due to no fault of my own as I have had no accidents. So CollegeAve needs to accept anything I can offer to settle to get rid of them for good. I have attached a screen shot of CollegeAve 's response to the first time I filed a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Profit Services Group
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 approximately XXXX XXXX EST, i returned a call because i was called 3 times back to back. I called them and was hung up on, i called back and the lady was yelling and wouldn't listen, i called back a 3rd time and requested a supervisor. I was put into contact with a very angry, XXXX  person. I told them this wasn't mine because i didn't live there at the time but he argued that i had to have received a bill from XXXX XXXX ( XXXX, GA ) in order to receive the doctor 's bill from XXXX  XXXX. I was trying to explain that I had only been to XXXX XXXX XXXX XXXX in XXXX, but he wanted to argue. I called a personal friend that was the family attorney and he told me to request an itemized document. In the process of making this request the guy still wanted to argue and debate, so i told him to stop, i have a legal right to know what the debt is for in writing, not sure if he sent it, he was SO OFFENSIVE. If they would send the itemized statement, i will show my lawyer my proof and if it's not my debt, i will ask the lawyer to send a letter or handle the debt on my behalf. I gave XXXX my current address, if they can't send proof, i want them to leave me alone and stop harassing me with calls and arguments.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: TX
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 company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my 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 2018-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: In progress
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank is not releasing my money. Check payees are verified, pretty sure it's a cashier 's check. They say they can not verify XXXX 's phone number. XXXX is the XXXX the account was held at that was closed out and the check issued. Their phone number is listed on their website, consumer information sites, government websites- and is a 1800 number that they pay for and register to themselves. Chase bank 's loss prevention department says it is not verified in their system ( that is based off of public record ) so they can't call it to verify funds. I have provided email correspondence from XXXX verifying the check. They refuse to release my funds. There is no number verified in their system to call and verify the chrck- though it has already cleared and they are just holding my money. It is XXXX This is negatively impacting every aspect of my life and causing extreme problems. I can not retain custody of my children over this. I can not purchase a vehicle. I have food insecurity. It is wrong.

Company response to consumer: Closed with explanation