BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NC
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:
Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2021-05-11
Company: BHFC Financial Services INC
State: AZ
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to XXXX, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to Trans union that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to XXXX but accurate info to Trans union? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my Trans union report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX '', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted Trans union which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from 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 2021-11-08
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit Karma app has conducted 5 " soft credit inquiries '' during the month of XX/XX/2022 alone, and I'd like to get information on who authorized them to do this and why/what they are doing this for. I do not have services with them other than just to see my credit score yet they're taking the liberty of soft credit inquiries, despite my credit being frozen and I've not provided them any authorizations to do so. Additional note says " Consumer Report '' in those soft inquiries also, but doesn't relate to why or what they're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2018-01-09
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. 

This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and XXXX says i am current but experian says im 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage loan is in my late husband 's name. 

Initially, the loan was with BBVA. When I had to pay the loan from my account and not through the automatic method where the bank takes the money out of his checking account, BBVA thought they were not getting paid. I attempted to contact them to discuss but they would not talk to me. 

Now PNC has bought BBVA and they won't talk to me either. 

I am attempting to refinance the loan and get it into my name. I learned from my attorney, that I should have had access to the loan from the beginning as the widow and my name is on the property 's deed. 

I have been charged fees and not allowed access to insure the home at a lower rate than the imposed insurance the bank placed on the home. 

I am XXXX and do not have access to funds to fight PNC. They have applied my payments for the last 3 months to the alleged amount that I owed that BBVA did not pursue as they knew they had received payments, but the automated bank statements continued to say that I was behind. 

I was filing for my XXXX when my husband died of XXXX. Following his death I had to file for bankruptcy due to medical debt and have just now reached the point where I can refinance the home into my name and I have a lender waiting on clearance from PNC to complete the refinance. 

Had I been able to access my legal right to the mortgage account this issue would have been resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: MIDFIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied on the XXXX  ( a Midfirst division ) app on or around XX/XX/21. While I was creating user name and password, the app crashed. I couldn't go further. I called XXXX and was told that retry in XXXX days. I did retry but now it was saying that I already have a relationship with them and can not proceed. I called again, and was told that they do see me in their system but for some reason, I was not assigned account number due to technical glitch. At that time, I was informed that I am successfully approved too, but it may take couple days to get the issues straightened out. Its now over a month, and I am still without account number and online access.

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 2019-07-05
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference to the account XXXX ( XXXX XXXX 2012 ) which was under both party names XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, a court order and judgement was signed and indicated that the vehicle was transferred solely to XXXX XXXX. Therefore, making this debt XXXX XXXX 's responsibility. The court order was signed by a Judge of the state of Florida. 

On XX/XX/XXXX, I sent a certified mail document along with the original petition where you will find on page 12 of the document under XX MARITAL ASSETS : The parties own to vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % for all payments. Each party shall keep their vehicle insured as required by law. 

This negative remark on my credit report in which you are reporting is hurting my credit score and hurting me from obtaining credit. 

I spoke to a few representatives and I provided some the attorney 's information as requested, and no one has made any attempt to contact his law firm. I am considering this vehicle no longer involved in a litigation as I am going to take measure of my own to resolve this. 

Since you are stating that your contract supersedes a Judge 's order/court order, I am requesting documentation of contract where it states this. 

I am asking that you relinquish my name from this contract. I already fulfilled my account ( XXXX XXXX '13 ) which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: CO
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 disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern, I recently obtained a copy of my credit reports, as I was revewing everything I noticed some unauthorized ( hard inquiry 's ) reporting on my files with the CRA transunion, I have sent disputed letters certified mail, also disputing over the phone only for them to tell me there 's nothing that they can do, these unauthorized inquiries need to be deleted/removed from my credit report ASAP, I have no accounts linked to these inquiry 's. 

UNAUTHORIZED INQUIRIES : 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 2017-12-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX when I realize I was in trouble I reached out chase filled out loan modification paper cause they said could help me just be told in XXXX that lost all my papers I would have refile them so I did ... .so time went by they kept telling me they need more documents I sent numerous papers all ways get told was n't good enough so behind my back without warning they filed Forclosure on me I found this out when cops served me..so I called them to ask they tell me well all my paper work expired wanted it reviled for 3rd time to be told month later nothing they could do.plus since XXXX I had tried make payments they would n't work with me at all was very upsetting way all of it was handled.come find out chase makes money off ever time they have me file..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). 
I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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:
Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : XXXX XXXX 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 XX/XX/XXXX According to FCRA ( XXXX ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : 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 2017-10-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today I logged into XXXX and downloaded all of my student loan information and found that my loan servicers are claiming I owe {$96000.00}. The max amount that I can owe in student loan debt doesnt exceed {$25000.00} before interest. Also, immediately after I withdrew from college I consolidated my student loan debt and applied for the income based repayment plan. However, I couldnt figure out why ( for years ) my credit reports keep showing that I am in default and several months behind in paying off my student loans. After reviewing my student loan file I found that either the college or the loan lenders have been falsifying my information and showing that I am still enrolled in college. I am showing student loan disbursements up to XXXX. However, as I stated, I withdrew from college in XXXX. Therefore, either the lenders or the college is taking money out in my name and leaving me to foot the bill. This issue is of a very serious nature and needs to be investigated. My credit has been ruined for years and I have been suffering undue hardship for reasons that are unethical and unjustifiable. I am homeless and have no car and I am struggling everyday because my credit has been destroyed. I need assistance regarding how to pursue this issue and what steps I need to take to seek relief from these damages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions 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:
I ask Experian to remove items from my credit I furnished a police report my ID SS Card everything they ask for all items were removed except for XXXX its not mine I fueled the report with police ask for it to be taken off and the 46 inquieries which none of which havent been removed either. I have taken all steps and I have provided all info needed to prove its not mine

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi, this is XXXX XXXX XXXX XXXX. This my second time contacting your company regarding the correction of my Personal Information on my credit 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