BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On approx XX/XX/2020 I contacted Equifax asked them to put a freeze on my credit, they gave me security questions to answer I complied. They told me they could not freeze my credit, I said the other 2 reporting agencies allowed me to freeze my credit online why will you not. They said we can't do that. I then asked them where my XXXX check was for the class action suit for the privacy breach they couldn't answer that either. A huge unjust action from Equifax towards me a consumer. Nothing fair about the way Equifax does business. I want my credit frozen due to identity theft and I also want some answers about my check they owe for breach of privacy. I chose the cash option because I had credit monitoring services with one of my credit cards. Thank you for your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a Chase United business card, with the business name as my own. I applied with myself as the authorized officer, and my wife as an employee. 

Chase messed up processing the application with my wife as the authorized officer ( I have pdf of application showing the opposite ). 

All information supplied was my own ( business number was my phone number, tax id was my own SNN ). I can not close the account now because I am not the authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX always has payment website down when trying to make payment. When I call to make a payment I am told that they charge a fee to collect payment over the phone. 
This company requires an additional {$1000.00} to be held in escrow at all times to make sure the escrow is not short. Without providing explanation as to why

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 2020-05-17
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: Personal information incorrect

Complaint:
I am writing this due to non-compliance with Equifax, XXXX, XXXXXXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-05-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through Experian on XX/XX/XXXX and through XXXX  on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to resolve the debt. I also disputed on XX/XX/XXXX with Experian that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.

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 2019-02-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has called 12 to 15 times a day when I have informed them of a hardship and scheduled a payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
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:
On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through XXXX  on XX/XX/XXXX and through Equifax on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the debt. I also disputed on XX/XX/XXXX with XXXX  that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Vehicle Solutions Corp
State: LA
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:
I co-signed for a vehicle for my son in in XX/XX/XXXX. He used this car primarily for generation of income by driving for XXXX and XXXX. When the pandemic hit in XX/XX/XXXX, he was no longer able to pay the note due to COVID-19 restrictions. The car was soon repossessed in XX/XX/XXXX. Vehicle Solutions Corp has had the car in their possession and likely have resold the vehicle for over a year. They are still hitting my credit negatively with a new occurrence each month and this is vehicle. I spoke with the company and they refused my settlement offered in the XXXX 's because XXXX stated that it would be denied. They are only accepting payment in the XXXX 's, although he would not state a minimum amount. I was not asking for the repossession to be removed, but the continuous month to month negative hit for a car that my son no longer possesses and a car that was lost due to restrictions of COVID-19. They tout themselves to be a company that works on honesty, integrity and trust. I beg to differ because even though I explained to them that I was a co-signer, and the car was lost during the pandemic, due to real-life income restrictions, they refused to remove the on-going credits hits unless I pay {$1900.00} for a car no longer in our possession. Again, I am not asking for the repo to be removed ... just relief from monthly negative hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: LD Holdings Group, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I called Loan Depot and spoke with XXXX to get the address to send my payoff to. I was given the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That evening, I placed the check in the mail. On XX/XX/XXXX the check was deposited by XXXX XXXX XXXX XXXX. In XXXX we got a phone message saying that Loan Depot needed our next payment. To keep the account from going to collections, I payed a payment of XXXX. Then as I looked into the situation to see why the account had not been paid off, I found out that the address that I was told to send it to was for an old service provider at Loan Depot. Over the course of the next 4 months, I made several calls to both companies trying to resolve the issue. Unfortunately, neither company was very helpful. Finally, in XXXX, XXXX XXXX XXXX XXXX XXXX finally returned my payment and I was able to send it in to Loan Depot. Loan Depot has debited the account, but refuses to refund the extra payment of XXXX made back in XXXX. That payment would not have been made if it had not been for their customer service representatives error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: AZ
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 have a revolving credit account with XXXX XXXX XXXX of XXXX, AZ opened in XXXX. In XXXX, XXXX, I paid off the balance I owed, almost {$20000.00}. Equifax has continued to inaccurately report I owe a balance of {$19000.00} as of XX/XX/XXXX. The other two credit bureaus, XXXX and XXXX, both correctly report a XXXX  balance on this account with XXXX XXXX XXXX. I have disputed the inaccurate balance reporting with Equifax twice, once online and once over the phone. Initial dispute # XXXX filed XX/XX/XXXX and subsequent dispute # XXXX filed XX/XX/XXXX. Twice the results of these two disputes continue to inaccurately report I owe the same balance, {$19000.00}. On XX/XX/XXXX I spoke with customer service representative XXXX at XXXX XXXX XXXX. I inquired about the error in my balance owing reporting by Equifax. She could only confirm that my balance was XXXX  and that XXXX XXXX XXXX reports to all three credit bureaus each month. XXXX suggested I dispute the error with Equifax. 
I then spoke with a customer service representative XXXX from Equifax on XX/XX/XXXX to inquire as to why the first dispute I submitted online did not correct the inaccurate balance reporting problem on my XXXX XXXX XXXX account. She suggested I dispute the inaccurate reporting of the amount owed again. I did so with her assistance over the phone. The results of the second dispute continue to show the same inaccurate balance owed, {$19000.00}. She did advise me that I could add a consumer note to this account disputing the amount owed. While all well and good, this does not change the calculated Equifax credit score that includes the inaccurate report of a balance due at XXXX XXXX XXXX of {$19000.00}. I was told there was no other method of correcting an error other than to continue to dispute it and include a consumer note on that account. This is fraudulent and abusive behavior committed by Equifax. I ask that this be investigated and corrected immediately. Willfully providing inaccurate account balance information to my creditors and potential creditors after being told twice of the inaccurate reporting is both harmful to me and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: OH
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 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

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


XXXX XXXX # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Loan # 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 XXXXXXXX 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.

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 2020-11-18
Company: Experian Information Solutions Inc.
State: AZ
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:
My FICO score was at XXXX before I applied for a REFI loan on my home to reduce the interest rate. A little later, I paid off my Automobile loan of {$3800.00} and Experian dropped my score by 47 points. At that point they contacted me and offered to reinstate 30 of those points if I would sign up for their Experian Boost program. It appeared they intentionally dropped my score by a huge amount then tried to force me to sign up for their program. I did not and will not. That, to me, looks almost like extortion. I have a perfect credit report for many years and now have no debt at all other than a mortgage. For them to drop me from XXXX to XXXX is not within my grasp. That drop took me from Excellent to good. My scores with the other two companies is in still in the Excellent range. Is there anything that can be done? I have a chain of emails to support the fact that I have been trying to work with them but they are not willing.

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 2020-12-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my 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 explanation