BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX Fraudulent account was deleted by XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General Equifax and XXXX for not deleting these account. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. 15 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went online to view my credit report for XXXX  and Equifax and it keeps saying every year I have to mail in stuff when I never got to see the information on report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I initiated a "credit line increase request"  with Citi/CBNA yesterday XX/XX/XXXX. The disclaimer on their website states:"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."This does not indicate that it will be a HARD credit pull, which I was alerted to today XX/XX/XXXX. Citi offers card holders their XXXX score for free, so why do they need a hard credit pull for a credit line increase?  I would like the pull reversed please.

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 2019-05-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans with Navient, consolidated. I am trying to pay off the smaller loan first. The last two payments I have allocated my payment to pay the minimum on loan 2 and do an overpayment on loan 1. However, 24 hours later I will go on the website and the account summary does not reflect my allocation. 

This first happen on XX/XX/19 and again on XX/XX/19. I have to call them and have them manually adjust it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I ( XXXX XXXX ) had a joint bank account with my daughter ( XXXX XXXX ) in Chase. On XX/XX/XXXX we discovered that our account was closed. After contacting the customer service they did not disclose any information but they said that they decided to close my daughter 's account. 
Yesterday XXXX we received a mail from Chase dated XXXX indicating that there were two checks deposited electronically in our account paid to the name of my daughter ( XXXX XXXX ) for {$750.00} each. The checks were issued by XXXX XXXX XXXX and signed by XXXX XXXX. Neither I nor my daughter knows the company or the person who signed the checks and we did NOT deposit these checks to the account. The checks were returned and we were also charged a {$12.00} fee for each one of the checks, with a total of {$24.00}. 
The bank also verbally informed us that they have blocked my daughter from opening an account in the future in that bank. 
We have a copy of the checks and the letter from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had a debt collection company calling me incessantly for over a year. I spoke with someone named XXXX at the company and provided my check card info with the agreement they would deduct {$25.00} a month from my back account to pay my debt and asked that they never contact my job or my husband. Since then they never took a payment out as was agreed, they not only called me incessantly but my husband as well and last time they called they insinuated they were calling from my doctors office to attempt to get my husband who was at work at the time to get me on the phone and then called my employer after being asked to never call them. When I have spoken to them they have been nothing but rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus Equifax, XXXX and XXXX to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ).

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: IL
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:
to account type. 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 2021-09-15
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In an attempt to provide me with debt validation. Simon 's Agency XXXX Inc violated my HIPPA rights by accessing and printing my medical ID, Medical Bills and Procedures and sending me without my authorization. Simon 's Agency, Inc never released a HIPPA form for me to authorize access to this medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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:
I am accusing Experian of fraud. Experian has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Experian violated its own regulations. Also, Experian fails to give an explanation for the deletion. A credit reporting representative admited that the early removal of satisfactory accounts negatively impacts a consumenr 's credit score. In addition, Experian reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change ; or mortgage presented as an unchanging high balance loan ; and an inaccurate payment history for accounts. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail

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 2017-07-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX was opened under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, this company did not have my written instructions to furnish this charge-off account on my consumer report. This account contains a finance charge, which is the sum of ALL charges. This account was paid in full when the company required my credit card ( social security card ) to open/fund this account in its entirety. This account should not contain any late payments, charge-off status, or collections. Moreover, there is no balance on this account and the status must be updated to paid as agreed

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Someone tried to apply for some things in 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 explanation
Consumer complaint received 2017-07-27
Company: Tribal Lending Enterprise, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call my job everyday even after I sent a cease and desist e-mail to them.

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 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 a home equity line of credit with Bank of America. I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.

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 2021-03-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a balance of less than {$900.00} and I was charged {$520.00} on XX/XX/2021 INTEREST CHARGE ON PURCHASES

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 2018-01-05
Company: Experian Information Solutions 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:
Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.

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 2022-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: IL
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 someone accessed my checking account thru XXXX and put a payment through of {$260.00} to a XXXX XXXX. I DO NOT KNOW THIS PERSON. I DID NOT MAKE THIS TRANSACTION! I contacted Citibank immediately and told them about this. I filed a claim over the phone with Citibank. Since this was fraud, I thought my money would be put back into my checking account right away. That did not happen. Since that date, I have made numerous calls to Citibank Claim Department telling them I need to have that money returned. I just called again today and asked for a Supervisor. The Supervisor put me on hold and the call was disconnected. They never called me back. I am irate. I NEVER use XXXX to send money! I want the {$260.00} returned to my account immediately! I Will Not continue to wait to get my money back. I had to report to you because I am not getting anywhere with Citibank.

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 2017-07-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation