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

Complaint:
I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with EQUIFAX, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
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:
Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX   {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

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 2019-05-14
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:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and experian are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXXXXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those XXXX XXXX people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2021

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 2019-05-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Various dates with Navient Student Loans I owe XXXX in student loans. My ex husband and I divorced two years ago ... he was on as a cosigner and in the divorce decree I am responsible for the debt.. and he is not working. They are not releasing him until I make payments on the loan for a year. This is not fair.. When I am asking about repayment options for myself a single mother now I am being told I would have to pay XXXX a month for all the private loans I have with very little towards principal and they will not work with me to lower my payments or I am being told different amounts by different representatives. Unreasonable payment arrangements and interest rates ... inconsistent figures to repay and not income and expense driven. They also go by gross pay, not net. I pay XXXX a month in health insurance and XXXX a month for my daughters car insurance plus mortgage, plus medical bills, etc. Navient needs to change their practices with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
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:
I received a vehicle loan from XXXX XXXX XXXX XXXX with term of 72 months and scheduled payment of {$470.00}. As of XX/XX/2017 my account has been paid in full, however Equifax as well as XXXX XXXX XXXX XXXX Account Status shows OPEN with a balance of {$18000.00} and last update to this account XXXX XXXX. Ive called XXXX XXXX XXXX XXXX several times regrading this issues and submitted a dispute through Equifax as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the US DEPARTMENT OF ED and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
InXX/XX/2019I needed to submit a pay date change because my pay at my job changed from biweekly to semi monthly. The representative in XX/XX/XXXXtold me to fax my paystubs showing semi monthly which I did and over the recorded call I stated my new pay was now on the XX/XX/XXXXand XX/XX/XXXXif every month. She sent me a modification for paydate and I signed it. What I did not notice at the time is she made NO change to the agreement because the XX/XX/XXXXand XX/XX/XXXXthat month still happened to fall on a biweekly every other Friday. Every other Friday since XX/XX/XXXXsome has called me atleast 10xs a day starting on Fridays saying my payment is late and I go through the WHOLE bad experience again and again. I have resubmitted paystubs to 3 different people who claim to be my account manager every single time. Now Im being told that you can only do a paydate change once in the lifetime of the loan and even though the MEI rep in XX/XX/XXXXfailed to do her job correctly bc I signed the incorrect thing my change request is being denied. Then the rep from XX/XX/XXXXcalls me and laughs at me when Im just trying to help her understand my frustrations with why I have had to reiterate my issue every other Friday to someone who has access to my acct and should be able to see whats going on, not to mention Im being told to send my paystubs with all my personal info every single time to different reps that arent making any changes on behalf of my acct. Now they are re modifying the 1st modification that was submitted wrong and its causing my payments and interest to go up on behalf of their mistake. They have caused me many of interrupted work hours every single time they call me harassing me to make a payment before I get paid and then me having to go through the whole issue every time when it should have been fixed months ago and it has taken 4 months and 5 diff reps to get to this point. This is by far the worst, most unprofessional, most unknowledgeable, most disrespectful, most unhelpful finance company I have ever dealt with that lacks the ability to achieve results on behalf of customer service. I am a loyal customer with 2 car loans through them and have never been late and this is how I get treated every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received collection attempts from IC System, a collection agency that now represents XXXX on a mobile phone account. I filed a previous complaint against XXXX disputing the balance. I have filed a complaint with XXXX and IC System both disputing the balance. I have paid all monies I feel are legitimate charges and the balance of {$540.00} are international data overages that I was charged in error and have disputed these charges since they first appeared on my bill. Please see my original complaint below. 

I am writing to file a formal complaint against XXXX in regards to my mobile device account. I have been a good customer of XXXX until recently when I went outside the country. I was charged over {$1000.00} in international data overages after their communication with me explicitly stated that there was no charge for international data, only voice. After receiving my next bill, I called customer service for assistance. My calls were put on endless holds, continuously transferred to one person after another where I would have to repeat the reason for my call and these calls went on for hours. After over 2 months of these attempts for resolution, I finally closed the account. I have made payments on the account and tried one last time today to call for resolution, only to have the same experience. I was transferred more than 3 times, repeated myself more than I should and was on the phone for more than an hour.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I sent all three credit bureaus Transunion/XXXX/XXXX certified documents in regards to my credit file. On my credit file its reflecting 10 late payments on my XXXX XXXX XXXX which is not correction ; It should only reflect 2 late payments ; in addition its reflecting 2 late payments for my XXXX 's accounts and Personal Loan which is not correction ; these account were NEVER paid late. I am disputing all inquires on my credit files I have requested on numerous of occasion for all three credit bureaus to provide full documentation regarding the circumstance surrounding my release of my credit file ; pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I provided the dates fro all 5 inquires from TransunionXXXX/XXXX. I requested if they were unable to provide such documentation you are obligated to removed the offending inquiring at once ; which is damaging my credit rating. I have sent 3 certified letters and 3 regular letter without certification. I have been having this issue to the late 3months with no response.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion

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 2018-01-23
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/2022 my bank account with chime bank was hacked through my email, one of chime banks employees updated the phone number on my account without my permission, or verification.. the email was sent from my email on file but the employee asked the hacker to send verification which they couldnt but yet the employee still went ahead and updated the information on my account and I became locked out of my own account due to them updating this information. The hacker was able to change my email and number on file and attempt to steal my money, Ive been emailing chime trying to get my account back since the XXXX and it is now the XXXX, they stated they closed my account on the XXXX, but now wont respond to my emails or update me on any information involving my money i had in my account, I honestly just want to know what is going to happen with the money i had in that account and when will i get it but I can not get a response from this bank, but they were quick to respond to a hacker, ive sent photos of my id, and pictures of me holding it with the days date MULTIPLE TIMES and even provided my last 4 of my social and still cant seem to get through to anyone, i am tired and this companys needs to be shut down and i want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CL Holdings LLC
State: WA
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:
In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX  with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year

Company response to consumer: Closed with explanation