BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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 XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

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

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Ive have contacted the XXXX XXXX provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX   XXXX     Navient refused to continue my forebearance due to my being  XXXX  ; Now my SSD check is being offset by 15 % for defaulted student loans ;  Navient says I may  not have forebearance ... .HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX. I provided a copy of my driver 's license and social security card and divorce decree granting me permission to change my name to XXXX XXXX XXXX. However XXXX, XXXX, Social Security Office and DMV all honored the divorce decree. On XX/XX/XXXX I called Transunion trying to see why they still have not updated my credit report. I was inform those documents is not acceptable and I need a name change by the court house. In my divorce decree it clearly say Name Change and persmission granted and stamped and filed by the judge on XX/XX/XXXX in XXXX XXXX. I am just asking for Transunion to please put the correct last name on my credit report it is a discprencies. I do not have anything of credit with XXXX last name only with the last name of 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 2023-01-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchased an awning from XXXX XXXX XXXX XXXX who uses XXXX XXXX credit card services. XXXX XXXX credit terms was 12 month promotion ending XX/XX/XXXX, deferred interest. The purchase was XX/XX/XXXX, for {$6500.00}. The product was delivered XX/XX/XXXX and payments commenced XX/XX/XXXX, minimum payments were {$260.00}. I have consistently made the minimum monthly payments until XX/XX/XXXX when I made a {$4500.00} payment reducing the balance to {$1200.00}. Despite the new balance of {$1200.00} which a minimum payment of $ XXXX would pay the balance off by XX/XX/XXXX ; XXXX XXXX XXXX XXXX same minimum payment which would accelerate the pay off and would prevent me from taking advantage of the 12 month promo period. I have spoke with multiple representatives ( XXXX, XXXX, XXXX, and XXXX ) from Green Sky they insist on imposing the minimum payment which is not stated any where in the contract I see or they can point out. If I don't pay the minimum they will report it the credit bureau adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am writing to report three fraudulent credit inquiries on my report dated XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. Thank you.

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 2022-09-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management is reporting a collection account from XXXXXXXX XXXX  on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Midland Credit Management about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2023-05-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXXXXXX XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Lennar Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a home in XXXX, FL in XXXX of 2020. We were to close on the house in XXXX 2020. The house is a new construction and the builder is Lennar Homes. We were informed in early XXXX that our closing will be on XX/XX/XXXX. We immediately informed Lennar that due to the current COVID-19 pandemic, we recommended moving the closing to XXXX XXXX, 2020. We were informed " No '' and told to progress thru the process.We proceeded and went thru the process to get to closing. Once we were supposed to close virtually with the Title Company - they did not and are not willing to share the closing documents with us. We have an approved Loan thru Eagle Mortgage - a Lennar affiliate. We are closing with Cal Atlantic Title - another Lennar affiliate. We have requested documents via email and by calling them - but they insist we sign a document which forces us to electronically sign the papers -which we are not being allowed to see prior to closing?

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 2023-05-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a Pre Approval through XXXX XXXX XXXX for a personal loan at a 13.99 % Rate through One Main Financial, I proceeded to validate that is information was correct before providing any credit information to anyone by visiting XXXX and checking my pre approval status there as well. I was once again advised I was being " offered '' two unsecured loans with One Main Financial with rates of 12.99 % and 13.99 %. I was asked to proceed to accept my offer, once I entered my personal information an inquiry was made on my credit and I was contacted by OneMain financial for a check stub and a copy of my drivers license. Once they obtained all of my personal information I was advised I was approved for 35.99 % interest. I advised the company I was not interested, I did not need the money and that I was simply trying to add a trade line to my credit to continue building it stronger since I was offered a good rate in this market. I advised them that they obtained my credit information by means of fraudulent practices and I wanted to have the inquiry removed and my personal information destroyed. They have refused to do this and stated that they will not remove the inquiry or my information under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Hi, There are a lot many complaint I have received since past year but there is no resolution and my money is not sent to me by chase bank. Latest complaint number is XXXX. 
I still haven't received my check at XXXX address and there is no tracking number shared. I am waiting since 2 years almost now and my money is still not returned to me. Chase case number XXXX. I am trying to reach out to chase but the number is not connected and everytime there is only follow up and assurances. It's really frustrating and tiresome that for my own hard earned money I have to follow up since 2 years now and I still didn't receive the check. Ideally as per last communication with a chase XXXX, the cheque was sent out on XXXX XXXX and was to be delivered n 10-12 working days but i still haven't received it and nor there is tracking number which can help me track it. Please help since I am in need of my own money which is with chase bank since 2 years now and the amount is {$900.00} and {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Had Federal Student Loans that use to be with " XXXX '' servicing. Since thediscontuation with " XXXX '', the Department of Education has moved my loanover to " XXXX XXXX ''. Received notification on XXXX XXXX that myborrower defense cases were approved for discharge. Was informed via phone from '' XXXX XXXX '' that it would be up to 180 days for the full discharge to becompleted. This would have put the date at XX/XX/2023 for a completion date.Today is nearly 2 months past the date. Have sent countless emails to " XXXX '' along with the Department of Education, asking for when the discharge willbe completed along with appropriated refund amount. However each one XXXX Department of Education and XXXX XXXX ) are pointing at each other of whois suppose to complete the discharge.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
On XX/XX/2022 payment was made directly from my bank account for {$1000.00}. Comenity Bank there after adjusted my amount with my bank and only charged {$980.00}. Comenity Bank thereafter had their system down and many clients were having problems reaching them for almost a month. It could be the issue that they never sent information of my card paid in full. There shouldn't be a balance at all on my credit report. I contacted them explaining to clear the balance however its still there since XXXX. 3 months now and it's incorrect and my utilization should be XXXX. I received a letter from them paid in full but its supposed to be sent to the credit bureau. Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief