BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As an misinformed student about student loans, I agreed to a loan through Sallie Mae. This was the only way I could afford to attend college. I am a first generation college graduate. My mother only went through high school and my father middle school. It was my understanding, as I was earning a degree in XXXX XXXX, that my loans would be forgiven through the XXXX XXXX ( XXXX XXXX ) program. I feel as though I was mislead by the school and the loan company. After struggling with repayment, finding a job, and managing finances, I began to pay on the loan. Which at this point has more than doubled. As I was mislead again to go into forbearance until I could afford to repay the loan. Now that I have been repaying the loan going on several years. Keep in mind it started as a {$25000.00} loan and is now around {$45000.00}. During the time I could not pay they called me several times a day. They started calling my work. They even faxed my work. This was embarrassing as my boss received the fax. I was nervous that they would start harassing my work as they were harassing me several time a day as I was at work. So, at one point in default their in house collections representative called me. I spoke to them several times and on occasion they offered me a one time payoff amount which was a portion of what I owed. Of course I could not afford that which is in essence I am sure why they offered it. Skip to a couple of years later and I am paying on the loan for several years with my understanding the interest rate being .5 % for the first year. However, my loan amount was only going down in {$20.00} increment with additional fees and capitalized interest in large amounts. After selling our house I call Navient and ask them if I can still make the one time payoff. Their response was no because it is no longer offered because I was not in default. They said you have to be in default for almost a year before they would work with me. I had this conversation several times. So, I have to let my loan go into default, occur more interest, late fees, etc before anyone would work with me to get out of this debt. I even filed a complaint on here. Their response was along the lines of you agreed to the loan. Ok, so I have been paying on the loan and all of a sudden I notice the payments have stopped coming out of my " auto draft '' account. I realized they have placed me in " INSchool '' deferment without even asking me. Again to capitalize on interest I am sure. I just want to get out of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to deposit a check from my previous employer and while depositing that check the ATM did not fully complete the transaction due to the check getting stuck in the slot which wasnt my fault. About 3 weeks later I received a notification that my account was on a negative. CHASE took the credit of the funds back without properly investigating the claim and the situation. Chase bank stole XXXX $ from my account and didnt care to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-10-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, All banks in XXXX allow payment of checks based on deposits. 

I deposited a simple check of $ XXXX. TD placed a XXXX business day hold on my check. 

I needed the money urgently. I tried to cover by transferring money. Now, TD charged me {$15.00} wire fee. 

This has happened more than once... .where I put money to cover some payments but for no reason TD 's staff placed a LONG LONG hold on the check. 

Please investigate this issue and ask TD for supply data on how many people were charged fees for overdraft, even though they had deposited funds to cover their payments. 

I have been with TD for 20 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is a XXXX XXXXXXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 explanation
Consumer complaint received 2018-09-07
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is continuing to report 2 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. These accounts in the amount of {$1900.00} and another one in the amount of {$1200.00} DO NOT BELONG TO ME. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Bread Financial Holdings, 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'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, XXXX XXXXXXXX XXXX, and CB/Express . I'm merely stating that fraudulent accounts must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted this company in regards to a Bankruptcy they are reporting on my consumer and XXXX XXXX report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX . They have violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

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 2022-12-09
Company: EQUIFAX, 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:
I received some alerts from XXXX of the monitoring services that I subscribe to advising that new credit inquiries were initiated on my Equifax credit file. I reviewed a copy of my Equifax Credit report and discovered a few new credit inquiries listed on Equifax that I did not initiate. I called each company, and they advised me that I would need to file a dispute with Equifax directly. I contacted Equifax and requested to dispute the fraudulent credit inquiries and I was advised that Equifax does not investigate credit inquiries. Under the Federal Fair Credit reporting act, I have a right as a consumer to request an investigation of inaccurate, false, incorrectly reported, or fraudulent information contained within my Equifax credit report. The Credit Inquiries that are in question, which I believe to e fraud are as follows : An inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022, and A credit inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/2022. A mortgage application dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see an inquiry from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-17
Company: Resurgent Capital Services L.P.
State: MI
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 assert my rights and demand lvnv and consumer reporting agencies stop racketeering in attempt to extort me. i demand lvnv account be remvoved promptly along with all late payments on the report. LVNV has stolen my identity. I do not and have not ever consented or contracted with LVNV i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that LVNV is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if lvnv doesn't want to be sued i highly suggest ease and desist. This is also a violation of XXXX, XXXX XXXX XXXXXXXX. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving lvnv and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Pacific Rim Alliance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I contacted this company in XX/XX/2022 because I was out on medical leave, was Robbed, also had to get my engine of my car repaired at the cost of approximately XXXX dollars. I was told in XX/XX/2022 that they would stop the interest on the loan. I believe his name was XXXX in the collection department. He told me they would. Well I made a payment of XXXX on XX/XX/2022 only to find out the guy lied. Interest was still accumulated and it just restarted my loan all over again. I called the store on higley to have district XXXX call me. He did call and was to call me back once he spoke with collection department. Then I got covid for the second time in XXXX. I called on XX/XX/2022 to make a solid payment arrangement now that I'm back on my feet and was told it was in the litigation dept. So I called XXXX and spoke with her. She gave me the balance of XXXX and some change and told me it was to late. Well I check with the courts and nothing has been filed as of XX/XX/2022. Also at the time I spoke with XXXX I believe my balance was XXXX and now it's XXXX. I'm trying to make good on the loan but being told I can't even make a payment or set up a solid payment arrangement. To me this is unfair. I have also not received and letters to my address. This is unfair practice.

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 monetary relief
Consumer complaint received 2022-10-19
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: Account information incorrect

Complaint:
XXXX, XXXX, and Equifax is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

Company response to consumer: Closed with explanation