BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: IL
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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX 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

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 2019-12-11
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:
THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE RMEOVED IMMEDIATELY OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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: Account status incorrect

Complaint:
Equifax remains in violation of 15 U.S.C. 1681g. The information concerning the XXXX XXXX  XXXX XXXX account reported as updated, modified, and additional information remains incorrect, inaccurate, and false. 1 ) The charge-off status should not be reported if there is no outstanding balance. 2 ) The balance reported is {$0.00} so the charge-off status reporting is incorrect, inaccurate, and false. 3 ) A charge-off reporting on a credit report with a XXXX balance should be deleted for incorrect reporting because it is misleading and inaccurate information. 4 ) All information being reported on my credit report must be accurate and up-to-date or immediately deleted. 5 ) This is a demand to delete all information reporting on my credit report that is incorrect, inaccurate, and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I filed a dispute with Chase Bank for {$2000.00} on a {$4700.00} charge with XXXX XXXX, the details are as follows : On XX/XX/XXXX I paid {$4700.00} for a seat advertised as a fully lie flat bed on a 15 hour flight from XXXX to XXXX. Once in the air at altitude, I discovered that the seat did not fully recline as advertised, and functioned more as an economy seat. I mentioned it to the flight crew, the seat was not fixable. I had no recourse to fix this, was stuck in a broken seat beyond my control. Once landing, I reached out to XXXX to explain the issue. Their response was to credit me {$200.00}. I responded that this was not acceptable, the credit was far too low given that the {$4700.00} seat did not function as advertised for a 15 hour flight. XXXX did not remedy the situation, so I filed a dispute with Chase. 

The response from Chase was wholly inadequate and disingenuous. Chase responded that because I accepted services from XXXX, I was not entitled to any refund and my dispute was denied. 

I find this unacceptable and incorrect. I purchased a seat that was explicitly sold as a lie flat bed, this is the reason I bought it for a 15 hour flight. Once in the air, there was literally nothing I could do, so a refund is clearly necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The payment they determined for my ICR plan does not match the description of how the ICR payments are determined. When I manually calculate my payment using documents from the department of education, it shows that my payment amount would be around XXXX. My manual calculation matches what studentaid.gov says my payment would be. My standard repayment was XXXX. The document says you take that number times your income percentage factor. The XXXX  document says my percentage factor would be XXXX resulting in a payment of XXXX. The OR statement of the calculation shows that 20 % of my discretionary income is higher than that amount. The description says they are to use the lesser of the two. Instead they are telling me I will make 8 payments at XXXX a month and then XXXX payments at XXXX a month. They can not explain to me why there are 8 payments at a higher amount. Im due to re-certify my income in 8 months and it sounds like the payment would then just change back to XXXX again instead of ever getting to the XXXX. I dont see anything to explain why I would make a higher payment for 8 months. That higher payment of XXXX doesnt even match the 20 % of my discretionary income which is the OR statement. 
This is the document I reference. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I woke up XX/XX/31 to emails stating my account has been closed due to the account is not in compliance with terms and agreements. I tried speaking with someone and they claim they cant assist via phone i have to email support for help. Support is not just one person so if I'm being assisted with one person if i send another email it goes to someone new and i have to start all over again. They claim they needed to verify my last deposits i sent them the receipts of the store i went to reload my card in cash along with my ID. I've done this 7 or 8 times so far. They are not giving me a reason or what is wrong that my account was closed i had XXXX in the account. It has been 30days passed and now They're holding my money hostage and i really believe its most of the agents that are overseas do not know what they're doing. Now i need to find legal console or if submitting here will even work out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: DISCOVER BANK
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover credit card, Says I can only do write in letters? My behavior, how's Discover behavior been last 3 years. Blaming, accusing, won't take calls, blocked my number on XXXX XXXX, it's now XXXX and they still saying no calls. Told Me make a XXXX minimum payment, and charging off My account of end of XX/XX/2023! Back and forth, no results, and transferred around and around. Told my case was reopened on XX/XX/2023, no information from Discover at all. I won't send in a letter anymore, they don't tell they received anything or emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: OR
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 was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as Experian and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from prison

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 2023-12-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Check that was deposited on XX/XX/2023 for {$40.00} was returned on XXXXXXXX and deducted from my account ( Check # XXXX ). The same Check ( # XXXX ) was returned again on or about XX/XX/2023. It is an obvious bank error because the same return item was deducted twice from my account. I called Wells Fargo today and spoke to XXXX and XXXX in escalations. They filed a dispute and a complaint but was unable to resolve this obvious bank error.

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 2023-01-13
Company: EQUIFAX, INC.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is currently reporting charges to a closed account that was fully paid off and any all equipment was returned to them. This account was closed on XXXX ( date to which my lease was terminated where service was being provided to ). 

It has been approximately a year since this account was closed and XXXX is now asserting a fraudulent claim for {$300.00} which I reported to the FTC ( See FTC Report No. XXXX ) and will be taking further action against XXXX if they continue to assert this alleged money due. 

Moreover, XXXX is violating federal law by reporting this fraud to the XXXX major credit reporting agencies, XXXX, Equifax, and XXXX. Aside from the fraud, I never gave XXXX my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, XXXX never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ).

15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that XXXX, Equifax, XXXX, and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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. 

Lastly, in accordance with the FCRA, XXXX, Equifax, and XXXX has XXXX days to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX # 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

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 2023-12-16
Company: ACIMA CREDIT, LLC
State: IL
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 a loyal customer of ACIMA DIGITAL FKA SIMP for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on my credit report. It came as a shock to see a late payment reflected/collection, which must be a mistake. As evidenced by my long-standing history of punctual payments, I have maintained a flawless record of paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has constantly made no attempt to a proper investigation for account and inquiries I have disputed. I have asked Experian to please provide the names and business addresses of each individual with whom Experian verified the disputed accounts and inquiries, so that I may follow up, but Experian has failed to do so.

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 2019-07-02
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
On XX/XX/2019, I stopped by XXXX XXXX XXXX Chrysler, XXXX, XXXX XXXX Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from CHRYSLER CAPITAL, XXXX XXXX XXXX ACCT XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/20 I applied for a credit card and was denied for the first time ever based on my TransUnion credit score. I purchased my credit report from TransUnion and my report had my correct social security number but it is mixed with someone elses account. It came up with someone elses name, address, date of birth, and credit history. My XXXX  and XXXX  Credit reports are accurate. This is a problem with TransUnion only. I called TransUnion and they looked up my credit report by name and said nothing is wrong but I have evidence that the entire report is wrong.

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