BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since XXXX of XXXX, I've notice incorrect reporting on my credit report. I reached out to Star Furniture, XXXX for proof but to no avail. I have called both companies to inform them of the security breach of both but, they came up with an excuse. Both companies have a breach. The breach is local. The person has hacked into their server to change and abstract money from their service. She is sending out phony letters and both companies arent taken this seriousely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They continually put a fraud hold on my account even though Im standing at the register with my card in my hand verifying 20 different ways on the phone with them they still hold my money XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that handle customer service do this intentionally as an intimidation tactic they are XXXX  and citi is just as XXXX of a company. Im out of town with no access to my money bc of this XXXX of a so called bank. Theyre a bunch of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been paying but interest seem too high I started aXXXX almost 2 years ago still owe XXXX  and Im only  one payment behind something just doesnt seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: OH
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:
The attached accounts are being reported inaccurately according to 15 U.S Code 1681i ( a ) ( 5 ) ( a ) ( i ) and do not belong on my report. As you can see in the attached screenshot, these accounts have been removed and are not being furnished to my other credit reports ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Upgrade, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Formally requesting for the XXXX pay for my account # XXXX, be removed. For some reason UpGrade does NOT allow its customers to manage the autopay online. 
I know they will say it's for security reasons but we all know it is not. 
Many times I like to make payments early for various reasons, but can not cancel the autopay. 
Therefore, I want to make sure there is proper documentation that I have made this request. 
Email Address for this account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: LEXISNEXIS
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Tuesday, XX/XX/ I applied for a mortgage with a company. The company got my credit profile without any problems. There is supposed to be a security freeze on my credit report which was not the case for me. I did the application to see if the company can pull my credit report on file and sure enough they did. LEXIS NEXIS DID NOT PUT A SECURITY FREEZE ON MY CREDIT REPORT AND THAT CAUSED ME DAMAGES TO MY CREDIT FILE AND SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My personal chase checking account and join account closed, after few days my business account closed too!

I spend many hour called them! They said because of the check they cant verify., and I spend few hour already verify the check, they still closed my business account too!

Im so sick of those bank right now! They dont give me any reason Please help me with my business account as well! I think I did not do anything wrong Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Concord Servicing Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My HVAC loan was transferred to Concord Servicing Corporation. I paid off the loan with XXXX electronic bank transfer checks on the same day with the same account # 's and same address. I was only credited with the first check. Subsequently, I started receiving calls and bills demanding immediate payment ( I never received any statements because they had an incorrect address listed ). I told them over and over again that this debt had been paid off. They demanded proof. I sent them my credit card statements. They said that was not sufficient ; they demanded a cancelled check which there wasn't one since it was an electronic check. The original checks were sent in XXXX and cashed XX/XX/XXXX. My credit score dropped XXXX points. They refused to talk to my bank XXXX XXXX XXXXXXXX XXXX XXXX so I finally got a copy of the cancelled electronic transfer check which I sent to them. Still they did not clear my account nor did they contact the credit bureaus to clear off my record. My business was denied a credit card because of this ; it has been an embarrassment to me because I pay my bills early and this has damaged my reputation. I contacted the XXXX XXXX XXXX and filed a complaint with them ; the company replied saying they finally " found '' my payment, were re-amortizing my loan and would take off any late payment fees. They would then figure out what the accrued interest that I still owed was and then send me a letter stating what that was. All I got was 2 more letters demanding payment. No apology has been offered. They also said they will notify the credit bureau the next time they run their files which won't be until XX/XX/XXXX but they certainly were quick to notify the credit bureaus that I was " seriously delinquent '' back in XXXX. I demand that this be fixed immediately, that I get an apology and that they close my account. No further payment will be forthcoming from me. They need to be fined for gross negligence.

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 2023-08-06
Company: EQUIFAX, INC.
State: OH
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:
Someone has tried to apply for credit card and auto loan accounts using my social security number and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Account Resolution Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE COMPLAIN Acting as a debt collector Account Resolution Corporation is in violation of FDCPA several times. I notified them on XX/XX/2021 and XX/XX/2021 with notarized certified mail return receipt. Below is a list of the violations I alerted them of when I sent them a Cease and Desist, Affidavit of Truth with Exihibits of all violations, and invoice. I documented 18 violation they are criminally and civilly liable. Account Resolutions Corporation is civilly liable based on 15 USC 1692k. Below are the violations contained in the the Affidavit sent and the number of times each was 15 USC 1692 ( e ) ( 10 ) violated 8 times 15 USC 1692 ( b ) ( 2 ) violated 10 times Account Resolution Corporations failure to respond to the notice within 30 days is in itself a violation and warrents immediate removal of all deragatory marks from my credit report. 

Attached to this CFPB complaint are unnotarized copies of the notarized documents sent to Account Resolutions Corporation on XX/XX/2021 and XX/XX/2021. My affidaviat, cease and desist, and invoice are included. I have with held the exhibits because there are 16 pages todate and will continue to learn of more violations as Account Resolution Corporation is obviously in sevre violation of numerous sections of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been repeatedly contacted by Southwest Credit ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ). They call me twice a day on most days, always from different numbers. When I answered their first call over a year ago, I asked them to prove I owed the debt, and they told me to call XXXX. So, they can't even prove to me that it's valid. I did not know that I could dispute it. It is affecting my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela has been giving me the run around since XX/XX/2023not counting my student loans towards PSLF. There are saying I only have 95 loans towards Public Service Loan Forgiveness. When I know I should have over 120. The company want to bring up my XXXX XXXX, when I showed proof that student loans doesn't qualify towards XXXX XXXX and clearly states paid outside the plan. Meaning although I am in XXXX XXXX I still have pay for my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: NJ
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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 have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

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 2021-02-10
Company: State Cap Auto Finance, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a co-signer for this loan because of loss of job the loan was unable to be paid so we surrendered the car to the dealer. Why is the loan still on my credit? The car was surrendered to the dealer because of loss of job, no money coming in it wasnt my fault! I would like the credit report to be taken off my credit? The car was surrendered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

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 2023-08-06
Company: EQUIFAX, INC.
State: NY
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA Holdings 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:
SANTANDER CONSUMER USA has sent me back documents that are not in the original documents. These documents that were sent to me has an individual on the contract that goes by the name of XXXX XXXX I have no knowledge as to who this person is. I have submitted it to SANTANDER CONSUMER USA and also the credit bureau ( XXXX ) they have yet to supply the original document with my correct signature on there. 
ACCT NO. XXXX XXXX XXXX// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I've never own or been associated with this vehicle

Company response to consumer: Closed with explanation