BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

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 2023-04-19
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2019-06-30
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
In XXXX I spoke to a lady from navient and she mailed me documents for income driven repayment plan so I got approved and I called navient the operator and it is telling me I do not have a payment due at this time I needed this due to financial hardships. I look at my credit report and it says needs attention why??? I do not owe a payment to navient and if I did I wouldnt let it go into default or become a late payment I needed help and I got approved for a income driven repayment but now its affecting my score and its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have no job, due to the ongoing COVID-19 pandemic, with no hopes of a job coming soon. I have XXXX young children, one of which being XXXX. Sallie Mae reached an agreement with me for repaying at a lower amount, took out the agreed upon amount three months in a row, and is claiming I didn't qualify for the lowered payments and has since put my loan into delinquency, while taking a very large amount from my bank account monthly. I spoke with XXXX XXXX and t`he phone call is recorded and my bank statements coincide with the agreed upon money withdrawals. Sallie Mae claims they denied me for this lower monthly payment plan on the XX/XX/XXXX but I received no documentation of this denial and Sallie Mae followed through with automatic withdrawals of the agreed upon {$510.00} from my bank account on the agreed upon dates which was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, skipping XXXX payments and resuming the withdrawal of the XXXX dollars on XX/XX/XXXX.They continue to harass me and say I have to pay more than the {$510.00} a month that was agreed upon on XX/XX/XXXX. With no job, it has been extremely difficult to even get the money in my account for withdrawal and Sallie Mae insists I must pay them more than double the already outrageous amount we agreed on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: CITIBANK, N.A.
State: IL
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:
Purchased tickets to go on vacation with my family using my Sears credit card which costed a total of {$2400.00}, then my wife got sick and was exempt from travel until she gets better ( have doctor 's note for travel exemption ) so we contacted the airlines but was unable to get full refund due to medical reasons, then we reached out to the credit card company where we explained to them that we never received a service in exchange of the money paid but they denied our request for a full refund.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE 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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. Let me be unequivocally clear : I will not tolerate this unacceptable level of apathy. As a victim of identity theft, I have suffered immeasurable damage to my financial stability and emotional well-being. The consequences of your inaction are not confined to paperwork and reports ; they permeate every aspect of my life. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

Mr. 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 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 2018-04-11
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last 4 of SS # is XXXX XXXX XXXX who I have some accounts with that are past due because of a couple unexpected expenses ( water damage at apartment and personal family issue ) that cost me extra money I really didn't have and caused me to get behind on payments and bills. XXXX calls my cell phone and my daughter 's cell phone ( we don't have a home phone, only cell phone ) constantly especially my daughter 's phone every single day multiple times a day from SO many completely different phone numbers coming from different locations. We don't answer numbers we don't know and we are usually at work when they call. Have looked up the numbers to find they are all comenity and see comments from tons of people saying they get several calls a day too from different numbers and leaving the same exact threatening messages they leave me too. Sometimes they leave a voicemail ( always a different person, same message ) threatening me that an urgent matter has been placed with them and if I don't call by that same day by XXXX then they will be escalating the matter even further but they never do, different people just keep calling and leaving the same exact message again. Has been happening over the past 2 to 3 months. I have sent messages to comenity asking them to please stop calling our numbers and that I am aware of the accounts and that I got behind and will have to make smaller payments right now. They do not comply with my request and continue to call and leave messages constantly. They are trying to annoy and harass people probably until they can't take it anymore and looking up complains, this happens to so many people. I have been so stressed because of money issues etc right now all these people calling are making me more stressed. I wouldn't even want to try and talk to them because I have a feeling they would threaten me when talking to them and I can't deal with that right now. They even called a home number of my ex husband that I haven't been with in over 20 years and left a voicemail for me on his answering machine ( he did the greeting for answering machine so they heard it was man at that resident and not me ). He told and asked my daughter about it and what and why they were calling and she told me, she told him she didn't know. It's embarrassing for them to be contacting and leaving messages for other people that I don't even have contact with or live with. I don't live with any other relatives or spouse, just me and my daughter. Again I told them I can start making smaller payments for right now until I get back on track and can get caught up, at least it will be some kind of payments. They can contact me by email or mail, I just really want and need them to stop calling numbers. It's getting to be way to much, harassing and streasful. I was going to send them written letter but figured they probably still wouldn't stop, I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: VA
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:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: National Credit Adjusters, LLC
State: SC
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:
NCA/ XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX  and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
I sent a letter on Decemebr XXXX, XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} EXPERIAN XXXX CRED XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.

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 2022-10-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I transferred my phone service from XXXX to another provider in XXXX. I realized the following month that I had not completely canceled because I had another charge come out of my checking account through auto bill pay. So I called XXXX to cancel and prevent that from happening again. I CALLED FOR XXXX MONTHS and could never get anywhere with an employee. I was told a supervisor would call me to sort it out. No one ever called. I kept being told they couldn't do anything in the middle of a cycle and to wait until my next statement came out. No one actually cancelled my service until XXXX months later! The final person I spoke to on the phone in XXXX, informed me that noone had actually cancelled my service yet. They had just un-enrolled me in auto bill pay. He told me my final statement would come out on XX/XX/XXXX and it would reflect no new charges. I NEVER RECEIVED MY BILL IN THE MAIL. I never even received an email. 
Instead of a bill, I have received a statement from a debt collector that says I owe XXXX {$600.00}. I TRIED CANCELING FOR XXXX MONTHS. 
XXXX deceived me and failed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my attorney which was from a XXXX XXXXXXXX XXXX account for XXXX XXXX. I have not had any issues with my account other than the funds being low because I have been out of work all of 2022 due to a car accident and a decline in the mortgage industry. My bank Truist just decided to place a 10 day hole on my funds. My account was not negative and I do not bounce checks so why are they able to do this to me? They hit me with a mysterious nsf fee last month and had to refund this to me because the bank employee said it was an error. I simply want to know why I am being harassed by this bank with my money and charged unlawful fees and having holds placed on my deposits its insane.

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 2022-10-21
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have a bankruptcy reporting to my XXXX credit report. The bankruptcy is not showing on XXXX or XXXX. My name is also spelled wrong with the bankruptcy reporting to my credit report I have also reached out to the courts filed disputes and reached out to lexis nexis they also are stating I do not have any public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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 2019-06-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX XXXX XXXX and my SSN in XXXX. I moved from XXXX XXXX, TX to XXXX, TX in XX/XX/XXXX. I got apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and I signed up electric with XXXX. In XX/XX/XXXX, I bought home located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XX/XX/XXXX I bought a home located at XXXX XXXX XXXX XXXX , XXXX, TX XXXX. Because apartment is for 6 month term, in XX/XX/XXXX, I called XXXX to advise them that we had to cancel electric at apartment since lease was over and we already moved to home. I paid all bills and I advised XXXX customer representative that my forwarding address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never received bills from XXXX and later on when check my credit score and apply for mortgage, it showed that I had collection account with XXXX. I mailed to XXXX and XXXX to let them know that I never received any bills, collections from them and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. If there is left over bill, they need to send to correct address so I can review and pay. If they sent to wrong address or my old apartment 's address, of course it will not be delivered to me. XXXX said they already removed it from my credit report and now XXXX continued to transfer it to Mercantile Adjustment Bureau. I disputed all fees and collections with Mercantile Adjustment Bureau since they did not send mail to my correct address and I was never notified bills nor collections. Please remove all fees, collections and history on my credit report. If there's final bill, please send to my address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as I already advised XXXX XXXX in XX/XX/XXXX, in mail with XXXX, XXXX and now Mercantile Adjustment Bureau multiple times later on. I will more than happy to send payment to XXXX if it's true left over bill with my old apartment that I was never notified about it before. 

Thank you so much for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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:
This account was closed on XX/XX/XXXX XXXX XXXX - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation