BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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 dont 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, I was unemployed and self employed. I attempted to forebear some of my payments and Navient would not allow it. I filled out hardship and forbearance requests and was denied. In XXXX, received Loan Repayment Assistance from my former employer. The company would not let me make payments on defaulted Loan to avoid negative credit reporting. I have paid off one of my private loans in XXXX but was not allowed to make payments on the defaulted loan. The loan has since been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Do not recognize this account and it is damagaing my reports

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 2018-10-15
Company: Motolease, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Last month, I filed a complaint against Motolease because they were reporting inaccurate information on my credit file. They continued to report my account as active and delinquent, despite the fact that the account has been closed for quite some time now. They responded to the complaint, and stated that they would correct the account on my credit profile. To date, this correction has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month!

Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of  {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed. 

I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns. 

I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult. 

I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt. 

Thank you for your time and assistance on this. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
Approximately in XXXX of XXXX I personally reached out to Chase via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for XXXX years, and being laid off from my newly acquired civilian job as a result of the XXXX XXXX pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Chase shortly after, for a second opinion due to the fact that even the Federal Government has recognized the severe economic impact XXXX has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Chase, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Chase is acting unreasonably in regard to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE PULLED MY REPORT AND SAW THESE ITEMS APPEARING THAT I AM NOT AWARE WHERE THEY CAME FROM. I DEMAND THESE ITEMS BE DELETED FROM MY REPORT. BELOW ARE THE ITEMS THAT I AM DISPUTING. 
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 non-monetary relief
Consumer complaint received 2018-04-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Simply Right checking account under promotion to receive {$150.00} after direct depositing {$1000.00}. I opened the account on XX/XX/2017 and have had {$1000.00} direct deposited every month for the last 5 months. I have called Santander multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I am very frustrated they are not holding to their terms and with the way they are treating their customers.

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 2021-04-09
Company: EQUIFAX, INC.
State: OH
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: DISCOVER BANK
State: LA
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 violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u 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 2021-05-24
Company: Experian Information Solutions 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:
i have a loan with XXXX XXXX # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now XXXX XXXX  reported to experian my credit agency that i am delinquent 60 days experian have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and experian told me XXXX XXXX reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL 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 2019-02-26
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled and paid with XXXX XXXX on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to 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 2018-04-16
Company: Factor Trust
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and my identity documents were stolen, resulting in identity theft. I filed a police report and have attached the report to this complaint.

I ordered a copy of my credit report with Factor Trust and found a lot of things that are due to the identity theft that need to be removed. I am disputing all the information below : Addresses : XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX   {$5700.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX  {$2200.00} XX/XX/XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX   XXXX  {$3500.00} XX/XX/XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$4800.00} XXXX  I have never done business with any of the companies listed below. Any reporting that I have is due to identity theft.

Loan by XXXX XXXXXXXX XXXX   into XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TX XXXX I have disputed all of the information that was incorrect in my XXXX  report and XXXX has removed it. My XXXX  profile needs to be updated in your system as it is all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mnet Financial has called me and left messages for me regarding a debt at my place of employment, despite being told not to. The most recent message was left on my work voice mail on XX/XX/2018 at XXXX CDT.

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 2018-04-16
Company: BB&T CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a car loan from XXXX XXXX on XX/XX/XXXX and I had gotten behind on my payments. They said I had been given nine extensions, but could not send me proof. This year XX/XX/XXXX I caught up on my payments. In XX/XX/XXXX I talked with a man named XXXX and he took my XX/XX/XXXX bill on XX/XX/XXXX. He then told me that I had been paying on this loan since XX/XX/XXXX, gotten behind, but still owed over 15,000 thousand dollars. I don't understand how I paid XXXX for 4 years and still owe that much money. I am behind on XX/XX/XXXX payment because my husband had a XXXX XXXX XXXX and we cant afford to pay. I am XXXX but can not receive money due to my husband 's income ( before his XX/XX/XXXX XXXX  ). They suggested I voluntary give them the car back, they would sell it and charge me the difference. They wont let me refinance or even lower my payments. They are very rude and talk down to me. They don't call anymore, they send a letter everyday, and emails. I don't want to give the car back, I want to make payments to them but they don't want to work with me. I just called the automated assistance with regional acceptance, my bill is XXXX. I still owe XXXX if I pay it before XX/XX/XXXX. My principle balance is 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 2023-11-05
Company: EQUIFAX, INC.
State: IA
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 have an unknown fraudulent account from XXXXXXXX XXXX XXXX being reported on my XXXX, Equifax and XXXX.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: MN
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: Their investigation did not fix an error on your report

Complaint:
( 30 Day Late XX/XX/XXXX ) I transferred a payment using Wells Fargo Online services. When I received a phone call from a Wells Fargo rep stating I was more than 30 days behind, was shocked. I immediately agreed to arrangements to get caught up and was told that a case would be submitted to remove 30 day late. 

I submitted a prior CFPB report and the rep said she solved issue but she was researching to the wrong billing period. I believe she was looking at XX/XX/XXXX which I was not reported as a 30 day to begin with. I was referred to the general card services #. This doesn't resolve the case.

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 2018-10-15
Company: D2 Management LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collector From D2 Management was very rude and pushy. He was trying to bully me into paying a balance from an " old '' payday loan. I asked for validation of debt. He told me that I didn't need it. I told him I was at work, he told me I had to handle this now. 
He did not say This is an attempt to collect a debt. Told me they would sue me if I didn't handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I was sent an itemized breakdown of charges owed to an apartment complex, but no consumer contract with my signature on it. THOSE CHARGES HAVE BEEN PAID TO THE COMPLEX!

And furthermore, were there any charges remaining after the fact, I owe NOTHING to National Credit Systems. My lease contract contained an Arbitration Clause, that the complex is in breach of by sending this account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXX ( eastern time ), I received a phone call from XXXX. When I answered, a female stated her name was XXXX and she was looking for my wife XXXX XXXX. I informed XXXX that my wife was asleep. She then stated that there was no message. I then inquired what company she was with and she stated that she was with Portfolio Recovery. I informed XXXX that I did not want the company to call my phone again. She proceeded to tell me that the company did not have a " do not call '' list. I informed her that I do not want that company calling my phone number again and all further calls are to stop. She again stated that the company did not have a do not call list. My wife has repeatedly told the company to stop calling and they refuse to comply with the request.

Company response to consumer: Closed with explanation