BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: TX
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:
I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by Equifax, XXXX  and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX  XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections.  This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, has violated my rights. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We have been paying automatic payments on the loans for XXXX  XXXX College for our son for years and years and our debt never goes down. When we complain they say that yes it has gone down but in the last eight years of paying on time payments it has not gone down more than a couple of hundred dollars total, for all of the loans. They must be stealing from us. We will never get this paid off. We are not allowed to see how our payments are being applied. As in how much of our money is going to interest and how much to the actual loan. We are being robbed and they will never give us specific information. I think we should be able to see how much of our payments are actually going to the Lon and how much is just interest they are profiting off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XX/XX/2022, I hand-delivered a personal check made out to XXXX XXXX XXXX, XXXX in the amount of {$10.00}, XXXX. The check was given to XXXX, a representative of XXXX XXXX XXXX, at their office ( XXXX XXXX XXXX, XXXX CA XXXX ) as a deposit for construction options. I was later informed that XXXX put the check in the mail at a post office in XXXX, CA to be sent to their corporate office after receiving it. 

My check was deposited into an account held by Bank of America and subsequently cleared on or about XXXX XX/XX/2022. The image of the deposited check was not immediately available. However, on XXXX XX/XX/2022, I noticed an image of the check was available. After viewing the image of the check, I noticed that the check had been altered such that it was made payable to " XXXX XXXX XXXX. '' Additionally, the memo on the check had been altered from " Options deposit '' to " # XXXX ''. 

I do not know XXXX XXXX XXXX and am opening this claim to request your assistance with getting my money back. Although I submitted a claim with XXXX XXXX  Fraud department on XXXX XX/XX/2022 ; their response was that they are not responsible for returning my money. Rather, they claim, that Bank of America, the bank where the fraudulent check was deposited is responsible for returning my money. XXXX XXXX  also stated that they sent a letter of collection on my behalf to Bank of America for {$10000.00} but that Bank of America has not responded. Further, XXXX XXXX  indicated that if Bank of America does not respond to the letter of collection within 90 days of its remittance, they will close my claim and I will not receive my money. This is unacceptable as I believe Bank of America and XXXX XXXX  knew or should have known the check in question was fraudulent. 

I am in desperate need of help! I am on a very tight schedule and need the money in question back so that I can purchase a home. If I do not get the money back soon, the rate lock with my lender will increase and I will no longer be able to afford to purchase a home. Further still, housing prices at their current rate of increase will be priced out of my reach if I do not purchase the home I have selected within the proscribed period. 

Please assist me by encouraging Bank of America to respond to the letter of collection sent to them by XXXX XXXX. I would also appreciate any and all information about the transaction giving rise to this request such that I may share it with the City of XXXX, CA police department to aid in their investigation of this crime. 

Thank you for your time and attention to this request. 

Sincerely, 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 2020-12-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 an account without my written instructions.

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping 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 non-monetary relief
Consumer complaint received 2018-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Within the last couple of days, a company named Portfolio Recovery reported a collection account for {$1800.00} on my credit report. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I don't believe this account belongs to me, and Portfolio Recovery never gave me the opportunity to contest it before they reported it on my credit report. This is a violation of my rights under federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-03-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax Credit Reporting for their inaccurate and fraudulently reporting of the XXXX XXXX XXXX XXXX  ( XXXX  ) account number : XXXX XXXX. The information being reported by Equifax Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Equifax Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are also reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized to report these addresses to Equifax Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Equifax Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit. 

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Equifax Credit Reporting has reported my XXXX  XXXXXXXX XXXX XXXX ( XXXX  ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Equifax Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Equifax Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX  ( XXXX  ) account and remove freeze alert. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Equifax Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NY
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:
Equifax apparently closed the new account that I just got with XXXX XXXX XXXX, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous XXXX XXXX XXXX that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with XXXX saying that the account was not closed, and Equifax had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new XXXX XXXX XXXX to replace the first new one that I already got and used, becuase Equifax stupidly incorrectly reported the accout as closed again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: EdFinancial Services
State: PA
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 Account # XXXX, has vioated my rights. 

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation