BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing a Complaint against Experian and against XXXX XXXX that is listed on my Credit report twice. I have disputed then at least 6 times and each time I dispute them they come back with an different answer saying that the account is accurate causing my score to constantly drop down to a XXXX and I paid all my Bills on time before my Bankruptcy. I have explained to them over the phone and through the dispute that this account is in Bankruptcy at first in a Chapter XXXX and then after that a Chapter XXXX and they never put the account in either Bankruptcy. They just kept putting it as past due and pulling my Score down disobeying the Bankruptcy Laws. So I will like to file a Complaint against XXXX and Experian for keep allowing them to do it, and I have submitted proof of both Bankruptcy documents to show that XXXX is on my Bankruptcy Documents. Please Delete Both accounts from my Credit File if they can't obey the Bankruptcy Laws.  and put my Credit Scores back up in the XXXX where it should be. 

Thank You, 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 2017-08-06
Company: Credit Adjustments Inc
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: CA
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 # 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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: SC
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 is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 2022-02-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

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 2018-07-15
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2017-12-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and Equifax are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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: Account information incorrect

Complaint:
I have two account XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** and one account XXXX XXXX XXXX   XXXX**** and one account XXXX XXXX XXXX**** and one account XXXX XXXX XXXX**** I have disputed all have of these accounts as having unauthorized charges on the account. but still transunion comes back as verified how is that possible are they seeing every transaction with signed receipts. I don't think so I believe they are not even investigation but instead just saying that they are.Because the only way to verify if transactions are authorized is to have a signed receipt without that there is no way to verify.

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I woke up and got an email that my account was overdrawn. I checked and there was a charge for {$1700.00} from some type of XXXX purchase that I did not authorize which completely wiped out my checking account and left {$60.00} in my savings account. I immediately went to a local Bank of America branch and was told there was nothing that could be done. I checked XXXX and there is no record of this charge or order on my account. I called to customer service and was told there would be a credit placed on my account within 24-48 hours and when no credit appeared on Thursday I called back and was told it would be escalated. At this time I also requested that my debit card be cancelled even though it was still in my possession to avoid any other issues. Today is now Monday XX/XX/2021 and my account is still overdrawn, and Bank of America has charged additional fees to my account and nothing has been credited back and I'm being told it could take up to 90 days for the money to be returned. This is totally unacceptable and Bank of America doesn't seem to care or want to do anything about it. They said it had been escalated again today and could take up to 10 business days before it is reviewed. Now I have no money in my accounts when there should be over {$1800.00} available and am waiting on a new debit card to be sent out so I can at least withdraw the remaining {$60.00} that's left in my savings 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 monetary relief
Consumer complaint received 2018-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, 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 2019-02-28
Company: EQUIFAX, INC.
State: LA
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 filing the complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 at around XXXX I applied for a new auto loan through Chrysler Capital and was pre-approved for {$39000.00}. There was a specific vehicle that I applied for which was a requirement for me to get details of the loan. I tried many times to get the details of that loan and was constantly denied ( by getting the " run-around '' ). I called their customer service phone line ( XXXX ), and was told to call the dealership directly and they would in turn call them and get the loan details for me. But when I called two different dealerships they told me a whole different story, TWICE! and never got any details of an auto loan that I applied for. I called Chrysler Capital again and once more I was told to call the dealership. 

So I basically got my credit pulled and was approved for an auto loan without getting any details of the loan. Completely illegal since they are suppose to give me all the details of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

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 2021-01-21
Company: JPMORGAN CHASE & CO.
State: VA
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:
To Whom it May Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2021-03-25
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to place a formal complaint against Citadel Servicing Cororation, the financial company with whom I have the mortgage of my house.I have noiced that during the past 2 months they are transferring their operations from XXXX XXXX XXXX CA ) to XXXX ( G ). This process has been a disaster because of their lack of transparecy to their customers, incompetency, chronic chaos and disarray in this company. I had to spend {$44.00} XXXX {$15.00} fee & {$29.00} USPS-Overnight Delivery ) because of their threath of reporting to Credit Bureaus, thus damaging my hard earned credit history.. 

I have had various prblems with them virtually from the onset XXXX XX/XX/2018 ). I do hope that you would be in a position of helping me to deal with this company. 

Best regards, XXXX, XXXX XXXX XXXX am open to discuss the dtail with you anytime you choose as I refrained from using vital account numbers, etc ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The account in question in discussion is GM Financial Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020. Due to Covid-19 I was unable to make the payments. I tried calling to defer the payment and could not reach anybody at GM Financial. When I was well enough I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here

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 2020-11-17
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 certify that XXXX and Experian has been notified through third-party CFPB of fraudulent accounts and alerts on report. XXXX and Experian was asked to validate the account information being reported by providing original certified copy of contractual agreement. XXXX has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. XXXX  has also had my information breached 3-4 times past few years including compromised accounts. 
Can XXXX, or Experian provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?

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 2021-08-09
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: Account status incorrect

Complaint:
I have sent multiple letters and Transunion has still not responded with the information I requested. And they are still showing inaccurate information on my report.

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 2019-06-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reporting a violation of the F.T.C. Fair Debt Reporting Act.title 616.this collection agency is reporting information of Debt of $ XXXX.with the knowledge of it beening false. Lvnv Funding account # ending inXXXX has as of XX/XX/2019.has re-reported this 3 years old Internal Revenue Service filed as of XX/XX/XXXX XXXX.1099-c form was sent by certified mail to Lvnv Funding, copys was sent to C.F.P.B.with complaint ID # XXXX on XXXX for reporting this.

Company response to consumer: Closed with explanation