BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: PA
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:
Ive tried numerous of times to resolve this issue with Equifax. They are not fulling their grave responsibilities by not respecting nor protecting my right to privacy! They are not doing a proper investigation which requires going beyond just receiving information from non affiliated XXXX parties and falsely verifying information! Equifax NEVER DID AND DO NOT have my lawful consent to furnish anything to my consumer report without my consent!!! They are causing me financial harm and damaging my reputation by breaking numerous of federal laws In which they are suppose to be following! They have not provided me an investigative consumer report as requested which is evidence that they can not provide such information to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I disabled my card, after they texted me saying my card was added to XXXX XXXX! And called them.. before the theft. Im assuming its the same as XXXX XXXX, I only have my card on XXXX XXXX. But, moving forward ... my card was ENABLED after I DISABLED IT! Transferred my savings to my checkings and withdrew my money! OVER XXXX!!!! Theyre making it seem like it was me, saying because my card was in possession they wont be reimbursing my money! I cut up my card ... So I know where my card was. Somebody who scams for a living or work there did it. This happened in NC. Never even stepped foot out there, or know anyone for them to have my card! And whos even able to do all that?! Without my info? If it wasnt me.. other than them? I got police reports in both NC ( XXXX ) & XXXX, theyre still giving me a hard time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
alot of information is invalid on my credit report I am intrested in disputing all incorrect information on my experian credit report. please correct all of the listed items to be removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
EXPERIAN HAS BEEN CHARGING MY XXXX XXXX CREDIT CARD {$30.00} A MONTH SINCE XXXX AND I DIDN'T SIGN ANY PAPERWORK OR FILL OUT ANY FORMS ONLINE ALOWING THEM TO BILL ME {$30.00} A MONTH FOR THEIR SERVICES. THIS IS FRAUD. I WOULD LIKE TO KNOW JUST HOW SOMEONE AT EXPERIAN WAS ABLE TO GET MY CREDIT CARD INFORMATION. I HAVE NOT PURCHASED THEIR SERVICES AT ANY POINT IN TIME. I WOULD LIKE TO SEE A FORM WITH MY " WET SIGNATURE '' ON IT BECAUSE I HAVEN'T SIGNED ANYTHING. I HAVE NOTIFIED THE LOCAL POLICE DEPARTMENT IN MY AREA AND I WOULD LIKE TO SEE THE DOCUMENTATION OR EVIDENCE THAT EXPERIAN HAS ON FILE SHOWING THAT I PURCHASED THEIR SERVICES SO THAT I MAY FURNISH THE LOCAL POLICE WITH EVIDENCE.

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 2017-09-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a XXXX XXXX credit account and they said bankruptcy was taken into account. That bankruptcy was discharged XXXX XXXX XXXX. Even though it was discharged it is still being held against me on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased the American Express Serve card from XXXX on XXXX XXXX XXXX in XXXX, NC on XX/XX/2020 at XXXX XXXX. I gave the cashier {$520.00} to cover the {$500.00} balance for the card and also my driver 's license. Upon leaving the store I tried registering the card to use it to pay my bills, but the card wouldnt work. I called the American Express Serve customer service number and spoke with a representative and theyre telling me the card isnt activated and to return to the store that I purchased from to do so. XXXX told me theres nothing they can do after post-activation since theyve given me the card activation sheet that was attached to the receipt and to call the number on the back of the card again. I mentioned this to the serve representatives and they told me to send in further information. I was given the wrong email twice, and an outdated email and its been two weeks with no kind of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice from my credit card provider Chase that I qualified for a one month deferral on my payment. I took advantage of the offer,  skipped XXXX 's payment like they said I could and then made my payment for XXXX. I then received a letter stating that because I used the deferral they were reducing my credit limit by {$1000.00}. I have always kept this account in good standing. I have never made a late payment and I have always paid more than my minimum due. The Chase representative told me it had nothing to do with the deferral that they do frequent checks on all accounts and had decided it was best to lower my credit limit. I find it odd that they never did one of these checks before I took advantage of the Covid relief deferral just one week later as a matter of fact. I feel they are being unfair and taking undo advantage of Federal Covid relief funds put in place to help consumers such as myself. I want my full credit available amount to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: American Acceptance Co., LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We pay on time, but tell me how a 67 month loan turned into a 80 month loan. Car was XXXX, yet, for principal alone, we paid XXXX into the car and interest we paid XXXX. Our loan is ending next month, but we owe XXXX still? We haven't missed any payment.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-28
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Credit Bureaus to dispute this account. This is not my debt. I have no knowledge of this account. Requesting this account to be investigated and removed from my credit reports. This account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$780.00}

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 2018-08-13
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX  hundreds of times over several months and XXXX  continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told XXXX the Navient accounts were closed. XXXX insulted me when I called and refused to remove the inaccuracies even though all 10 Navient loans are closed. XXXX  denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to XXXX that they were violating FCRA and they just hung up in my face.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently review a copy of my credit report. I was shocked to see I haven been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Genesis FS Card Services, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX really affected my ability to pay my creditors so I am asking for the charge off to be removed from all XXXX credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
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 XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 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 2022-08-07
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: Reporting company used your report improperly

Complaint:
I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 
15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
XXXX and EQUIFAX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-08-13
Company: Experian Information Solutions 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:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX. I did not authorize XXXX  to pull my credit nor was there a formal application

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Performant Financial Corporation
State: TN
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 called and said you are the only ones that can close these accounts out?

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 2017-09-20
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting North American Credit Services several times via postal mail regarding this alleged debt that is said I owe. I have yet to receive any response from them. I would like this removed from all of major credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22
Company: EQUIFAX, INC.
State: IL
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 requiring that Equifax get physical verification ( i.e. Consumer Contract with my signature ) for these accounts XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX. If these companies can't provide physical verification that these accounts are mine, section 602 of the Fair Credit Reporting Act requires they be removed from my report. 
I am disputing these accounts because I am a victim of Identity Theft. The aforementioned accounts are fraudulent. The other credit reporting agencies have removed these accounts. Their Investigation has been over 30 days. Equifax has not gotten physical verification from these companies. They are accepting verfication without physical evidence. Simply stating based on the creditor 's word, the account is verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay  stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. 
I can provide emails, etc if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Account information incorrect

Complaint:
When the debt first appeared on my credit report it was for XXXX XXXX XXXX orginal collection date was XX/XX/2016 balance was XXXX. I substituted a dispute letter for this debt in XXXX of 2016 with all 3 credit bureaus and it was removed. I had noticed it back on my report with a different collection agency XXXX XXXX with a new balance and a new original collection date. I then called the credit bureaus and informed them that this is not my debt and also of the change of collection date as well I was told it was going to be removed due to that matter and it's still there. I gave them the file number of the first dispute letter so they could see that the dates were changed the guy verified it was and assured it would be handled when speaking with XXXX and the same assurance when speaking with transunion. I explained how this affects one credit and they spoke as if the understood but apparently lied. I have sent out another set of letters concerning a inquiry from XXXX XXXX XXXX, and XXXX  and they have yet removed them from my report. I have asked to remove willow trace with the copy of the letter that was sent once I paid the debt that is was to be removed from my credit as well. I have not yet received correspondence from any parties yet that it will be remove. I'm completely over writing these letters and calling at this point and I'm starting to feel there is some truth about what I hear in the news about the bureaus because of this matter.

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