BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I observed my credit being incorrectly reported by Equifax and promtly filed a dispute. My credit report was stating that XXXX XXXX XXXX XXXX Florida XXXX XXXX had a late payment for XX/XX/2023. We had previously addressed this inaccuracy with the bank who advised us to contact our credit reporting agencies. On XX/XX/2023 I received a notification that equifax had closed my dispute with no changed made. On XX/XX/2023 I called equifax to address why the dispute was closed period. I was told that they do not take the word of the consumer and I advised them that I provided them with the bank and payment statements. The man advised me they only believe what the reporting entity tells them. I advised him that this was wrong and he told me to call them. I previously had to address this with XXXX who promly addressed and corrected my dispute. I have attached the equifax dispute and their response, the bank statements with payment dates to the bank, what my XXXX report shows vs equifax report. This is ruining my payment history from good as it should be as XXXX has to poor which is what equifax is reporting. Please help me correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: GA
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:
There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have disputed charges with XXXX in writing and notified Amsher

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, continues to report my credit utilization outside of my billing date. My billing date is the XXXX of each month, yet, my usage was reported on the XXXX @ 16 % and XXXX @ 14 % of XXXX. WHY ARE THEY ALLOWED TO KEEP REPORTING MY ACTIVITY OUTSIDE OF MY BILLING CYCLE EVEN AFTER REPORTING THEM and XXXX  XXXX TO CFPB? this is a form of unethical practices, in addition to harassment, that needs to stop, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-28
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-03-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX  Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : JPMCB CARD Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Their investigation did not fix an error on your report

Complaint:
After investigation my credit score still dropped after years of having high score and working hard on my score, this affected FICO ultimately damaged mortgage rates

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 2022-07-12
Company: EQUIFAX, 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 XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
i have reached out to SYNCB and XXXX about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.

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 2019-03-09
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX sets of loans with Navient. I have stafford loans and signature loans. I have been paying on both for quite some time. Navient promises to remove late pays and fees on the account and has not removed them on the account. Recently I was told that I would be current on my loans if I made additional payments yet my balance has not moved and all that can be seen on the account is that a payment was received. The payment was taken from my bank account within 24 hours. 
I have a issue with loans that I acquired for XXXX in XXXX school it is as if I am paying for loans that the school supposedly returned back to Sallie Mae which is now Navient. I think Navient is set to make buying a home and car affordable for any individual by adding fees and keeping loans on the account that were returned by the school. Something is not adding up. I have loans that are stafford loans ( XXXX through XXXX from XXXX however XXXX states that they returned the money back to Sallie Mae and I still have like I owe for those loans ) I supposedly owe XXXX for {$10000.00} that should have came back to Sallie Mae yet online says I owe it to Navient. 
When I call to inquire about my account the rep states that my account online is handled by a third party when it should be accurate and up to date information. Someone should investigate Navient for several reasons : debt accrued in school does not guarantee a job, I can not purchase a home because they refuse to send me a statement that would show what my loan payments would look like indefinite payment. Borrowing money has been my biggest downfall in life because I can not afford to buy a home. However, Navient is stealing money from people who are trying to pay the loans and not applying the money accurately to my account. I think they just come up with payment plans to keep you in debt forever. The rep told me to call in three days to see if my payment would be placed correctly on my account and it has not yet to this day. They still have me in the negative and being behind when I overpaid the three required payments that were supposed to bring me up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: BBVA FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
BBVA Compass Bank is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by BBVA Compass Bank. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Citi bank sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my XXXX XXXX account to Citi account. That was XX/XX/XXXX, that the balance transfer was confirmed by Citi. Weeks go by XXXX XXXX XXXX reflects no reduction of the transfer amount of {$10000.00}. I call Citi and they stated they sent the funds to XXXX XXXX  XXXX. Citi instructs me to call XXXX XXXX XXXXXXXX as the issue is on their side. I call and XXXX XXXX XXXX says no they did not receive the funds to call Citi. Call XXXX back and told the funds are sent and will hit my XXXX  XXXX XXXX account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when XXXX XXXX XXXX agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to Citi bank. Got nowhere with either bank then. Called again a day later and told by Citi to verify the account I do so and mention it was several times. Person at Citi says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to Citi. I call on XX/XX/XXXX to both banks and get nowhere. I am told by Citi here is the tracer number XXXX  XXXX can look it up and Citi sees it and verify funds went to XXXX. XXXX # XXXX. I was asked Citi bank for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from Citi that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by XXXX XXXX XXXX they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other 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 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 Would Like To Add My Address To The 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had a credit card but no bank accounts with Bank of America. On XX/XX/22 I received an email that said I tried to open an account but that they were unable to open the account and I need to go to a branch to provide identification ( I expressed no interest in an account and hadn't been on their website in a year ). I did not see the email right away and then received a second email XX/XX/22 stating my application was approved and an account was opened. I tried calling their customer service to investigate but they were no help. They would not tell me any details about how or who ( at the bank ) opened the account. They finally opened a fraud investigation at my request but have not provided any updates.

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 2023-08-16
Company: Kopp Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Kopp Collection Service , Inc . 
XXXX XXXX  XXXX XXXX, NY XXXX USA The collection agent used the profane term " XXXX '' in regard to my questions about the validity of the debt. I informed her that using the term is a violation of The Fair Debt Collection Practices Act. She responded by affirming she had used profane language, then hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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 # has violated my rights. 

XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$2300.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its 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 explanation