BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off XXXX credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had XXXX credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost XXXX points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue Equifax, XXXX XXXX XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost XXXX points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for Equifax it has n't gone up hardly any points after paying XXXX credit cards to XXXX, and experian this is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent TransUnion, XXXX, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for one.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I dont know whos at fault here, companies in question is TransUnion and XXXX XXXX XXXX. First off I disputed a late payment on my XXXX  card from XXXX of 2022, contacted XXXX  to dispute it received a dispute number of XXXX with XXXX XXXX on XXXX of 2022. Fast forward to XXXX resolution was all negative information will be deleted. Awesome, I thought. On the week of XX/XX/XXXX the late payment finally came off on all three bureaus, fast forward to XX/XX/XXXX I get a notification that my score dropped on TransUnion I was like what could it be? Boom, the late payment was back on my report from XXXX of 2022 on XXXX XXXX XXXX and only on TransUnion, it made a huge impact on my score right as I was about to do a credit application for a vehicle, due to my wife totaling a vehicle are you serious? XXXX points down on my score, dont know if this was TransUnions fault or XXXX XXXX XXXX for not updating my account successfully. Really bad practice someones credit score should be a thing to mess around with it is someones way to get a car or a roof that goes over your head come on guys hold someone accountable and please fix this!!!! 
If the creditor fixed the issue of a late payment on a consumers account and TransUnion fixed it why in the world would they reverse it again a few days later impacting my score even more!!! Come on TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: North State Acceptance, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : TransUnion : XXXX 2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-05-08
Company: Exeter Finance Corp.
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:
Hello I filed the compliant XXXX earlier this year and was provided a response from Exeter that the account information would be updated on my credit report being that as stated in the response from them, it was a mistake on their part that this is even reporting incorrectly. Its been over 45 days since the response and the credit reports are still reporting incorrectly and are hindering me from being able to purchase a home because it looks like I haven't paid in months and I have been paying them monthly. This is predatory lending a this point, please have someone help me please! I called and they stated it was updated but it has not been! I have filed separate disputes with the credit agencies directly, as well as contacting Exeter, and they still send it back to the creditors as being late for the 7 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: On-Site Manager, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Fairway Capital Recovery, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to my credit report, on XXXX XXXX XXXX is the original creditor and forward the debt in the amount of {$770.00} to a collection agency Fairway XXXX XXXX. I have contacted the debt collecting agency and give them my name and XXXX but they couldnt bring up any account regarding to this matter. On the other hand, I never associated with XXXX XXXX or doing any kind of business with this organization. I have file disputed with XXXX regarding to this account but no result at this moment.

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 2018-10-13
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-05-21
Company: EQUIFAX, INC.
State: MI
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:
Hi I just recently applied for an XXXX XXXX XXXX XXXX  card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) 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 2017-11-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it. 

Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: NV
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 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am writing to express my deep disappointment and frustration with the ongoing dispute regarding a collection account that is inaccurately listed on my credit report. Despite my repeated efforts and communication with your company this erroneous entry continues to affect my credit score adversely. 

XXXX XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JPMorgan Chase dba Chase Bank. ... A debit card was used to authorize or hold {$150.00} on XX/XX/XXXX. ( Hotel incidental hold ) .The hold was released by the merchant on XX/XX/XXXX. 
Consumer expected funds back in the account. 
Instead ; Chase recalculated the date to appear the hold was placed on XX/XX/XXXX instead of XX/XX/XXXX. 
Consumer contacts Chase reference the transaction ; where was the merchant authorization on XX/XX/XXXX or XX/XX/XXXX? 
Chase XXXX customer service representative stated that Chase changes the date of authorization each day without explanation as to why. Therefore, it makes it impossible for consumer to regain the funds back to the account within 3-5 business days of release from merchant. It makes the funds disappear from consumer account based on debit card usage vs. credit card. 
Debit card authorization uncollected by merchant, should be returned to consumer account upon release by the merchant. Chase provided no explanation or a resolution of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I ordered some XXXX earpods on line from Best Buy and paid {$320.00} using my BestBuy credit card. When my son opened them, he said they were not XXXX  ( although they were in an XXXX case ) I took them to the Best Buy store near me to return them and get the right ones I ordered and paid for but they directed me to call XXXX I explained what occurred and was told to mail them back for a full refund. They sent me a prepaid label and they received the earpods on XX/XX/XXXX. I called to inquire about my refund several times and they would open a new case every time I called but they never refunded me my money. Spoke with XXXX on XX/XX/XXXX at XXXX ( case XXXX ) she promised the refund would show on my statement within 2 billing cycles, it did not happen..called again and spoke with XXXX on XX/XX/XXXX XXXX XXXX am ( case # XXXX ) she promised the same but did not deliver on her promise. Called on XX/XX/XXXX at XXXX pm ( case # XXXX ) spoke with XXXX, then XXXX, they escalated my case but again the refund did not happen.Then they said that because the items that I returned were not XXXX earpods, they cant make the refund so I called my credit card company. I did not receive the correct earpods, they sent mock earpods to me. I am the victim of fraud here and so I just wanted the credit card company to cover me for this transaction and refund me for the charge that XXXX is not refunding. I opened Case number XXXX on XXXX. Today I received a letter from the credit card company showing me proof of the charge and dismissing my dispute. I never said that I did not make the purchase. I made the charge but BestBuy, the store, shipped me mock items. It was either the store employees or the shipping company they used or I do not know who but I did not received what I paid for therefore I want MY MONEY BACK.. I was scammed. I want a REFUND

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