BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting a corporate business account on my personal credit report. this is NOT my account, I never authorize this account. I have requested signed verification and proof that the account belongs to me however all they send is a generic letter noting " we verify account is valid '' with no backup. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/2019 requesting proof and verification that the account is mine. They responded with statements for a corporation name XXXX XXXX XXXX, this is NOT my company. I send Ms XXXX another letter on XX/XX/2019 letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law.. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Equifax has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified corporate BUSINESS account and NOT mine. This has affected my ability to get a job, to get credit, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-05-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have XXXX XXXX XXXX store credit card. In XXXX I logged in and paid my " current balance '' as listed online. Not my statement balance. I was attempting to pay the balance in it's entirety. In XXXX I was assessed a XXXX fee. And then XX/XX/XXXX I was assessed a XXXX late fee on the XXXX " minimum interest charges '' well then interest on XXXX is XXXX. So I bit the bullet and paid the late fees for XXXX and XXXX and on XX/XX/XXXX I logged in and paid the listed online " current balance '' of XXXX ( which included marches late fee ). Then again on XXXX XXXXthe they charged me another " minimum interest charges fee '' interest on XXXX is XXXX! So I have since accrued late fees on this XXXX dollar interest fee. I have paid this account off multiple times and they continue to change me fees after I pay listed " current balance '' online. I can prove per my online account activity that this is happening. I called to try and explain to them that I just want to pay this off.. I pay off the balance they assess a fee.. I pay off the balance they assess another fee. At this rate I will never be able to pay this balance. They give me no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Prizm Financial Company, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX XXXX and in XXXX, Prism Financial XXXX, LLC, XXXX XXXX XXXX, XXXX, OH XXXX, financed a used car for me. In XXXX, I started getting behind in car payments because my daughter became ill and was hospitalized or either in rehab most of the year. Because of her illness, I wasnt able to work that much because I was taking her to doctor appointments, calling the ambulance and going to the hospital. I asked Prizm to redo the loan or lower the payments, but they refused. I tried to trade the car in several times, but no one would do that because the cost of the payoff. Prism was harassing me over the phone and stressing me out. I was already stressed because of my daughters medical condition. I was afraid they would repossess the car when I was miles from home. I told them to come and get the car because I was beyond stressed. 
I received an email from my employer stating that my wages was being garnished for {$15000.00} starting XX/XX/XXXX. I dont have use of the car and would be paying for something I dont have. They could have lowered the payments rather than selling the car for pennies on the dollar. I am being put in the position of quitting my job, which means I could be homeless or filing for bankruptcy. There should be a law that prevents companies from doing that.

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 2020-03-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The lender offered DEFERMENT for in SCHOOL enrollment.

Document was submitted verifying the in school enrollment.

LENDER expects payment and threatens to report me to credit bureaus, reneging on its contractual agreement for IN SCHOOL DEFERMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Paid off balances are still showing on my Transunion & XXXX credit reports. 

An amount of {$160.00} from XXXX XXXX  was paid with a settlement as agreed upon by XXXX yet is still showing as due on both Transunion & XXXX. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both Transunion & XXXX. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on XXXX & {$150.00} on XXXX & Transunion. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX XXXX but still shows on XXXX. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.

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 2023-10-02
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been dealing with EdFinancial in trying to find out the specific forgiveness date of my student loan. I have been paying consistently on my loan throughout the pandemic and was granted loan forgiveness. The loan forgiveness date was granted at a time pre-pandemic. As I had been continuing to pay on the loan, I would like to confirm the amount that I overpaid and that is owed back to me. I would also like to be notified when that amount will be refunded to me. I have documentation from my bank on every payment that has been made to EdFinancial during the pandemic period. The EdFinancial site also states that my credit report will reflect that my student loans have a {$0.00} balance, yet they have also not received this information.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
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: Old information reappears or never goes away

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : 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 Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.

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 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
mailed letter to TransUnion on  XXXX   XXXX ,  2017  asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  an d Tran Union still con firms that Chapter  XXXX  is verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy  Court  stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}

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 non-monetary relief
Consumer complaint received 2017-05-02
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a checking account and HELOC at  PNC  Bank. I deposited a check for {$45000.00} on Friday  XX/XXX  On Monday  XX/XX , the money posted to my checking account. On   XXXX  , I made an online transfer from my checking account to the HELOC. On  XX/XX , the PNC website showed that the money had posted to the HELOC. So, I made a {$9300.00} payment to the  XXX . PNC rejected the payment due to NSF! Now, I will be fined by the  XXX  for a rejected payment. PNC refused to acknowledge that this was their error. They claim that they are allowed to place an automatic one-day hold on internal transfers between their own accounts! This is a misrepresentation on their part since their website showed that the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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 set up biweekly auto billpay with XXXX XXXX to deliver the checks to XXXX XXXX XXXX for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When XXXX customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX  evidence of payments made. I would like to beg XXXX to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX. 

thank you very much for your great help! 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
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:
JPM Chase  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted m y credit score  and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCC BUSINESS SERVICES r eports to my credit report that I owe an apartment community that is no longer in business. When I asked the representative on the phone for verification of the debt he was not willing to help resolve this matter.     I have made multiple attempts to resolve this and they are not willing to help.     To this date I have never received any type notice that I can request validation of the debt.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX2011 ACCOUNT PAID IN FULL ACCOUNT CLOSED BUT STILL SHOWS ON CREDIT REPORT AS 1 MONTH DELINQUIENT XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN IS THE ONLY CREDIT BUREAU STILL REFLECTING THIS OLD ACCOUNT

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 2023-05-02
Company: LEXISNEXIS
State: MN
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 recently applied for a XXXX XXXX Yield Pledge Money Market Account on XX/XX/2023 and my application was denied due to Lexis Nexis Risk Solutions Bureau LLC/Risk View Consumer Inquiry Department reporting an inaccurate Risk View Credit Score of:XXXX, Identify theft alerts and identity elements not fully verified on all available sources. My Risk View Credit Score is suppose to be at XXXX and there shouldnt be any identity theft fraud alerts on my Lexis Nexis Risk Solutions Bureau LLC Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .

Company response to consumer: Closed with explanation