BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXXXXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report.

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe.

Delete inaccurate and incomplete account information promptly.

Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations.

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So I wanted to make my mortgage payment online with XXXX   XXXX XXXX - I could not. The option was no longer available. Upon calling they told me my servicer has changed to Specialized Loan Servicing LLC. Never heard from them before. Never got the monthly bill. Never got a welcome letter from them. I could not open an online account, because it would not accept my social security number or loan number - the field went blank as soon as I hit submit. Their website does not seem to be functioning properly ( sls.net ). On the login site it tells you, you can call them for {$12.00} and that you can pay online, but a fee might apply. I called them and they graciously allowed me to pay on the phone - but only this one time. I am now supposed to jump through hoops to make my monthly mortgage payments?

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 2023-09-12
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: FISERV INC.
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:
TRS RECOVERY SERVICES ARE FRAUDULENTLY STATING THAT THEY'RE COLLECTING A PAYMENT FOR XXXX. I DO NOT HAVE A CREDIT ACCOUNT WITH XXXX NOR DID I STOP A PAYMENT ON XX/XX/2023 WITH MY BANK AS THIS COMPANY IS STATING THEIR REASONS FOR COLLECTING PAYMENT FOR XXXX IS BECAUSE OF A STOP PAYMENT. THEY ASK FOR A VERY SPECIFIC PAYMENT OPTION. ONLY PAY WITH SMARTPHONES OR CASHIERS CHECK.

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 2019-10-15
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: Personal information incorrect

Complaint:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: IN
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 # XXXX has violated my rights. XXXX XXXX. XXXXXXXX XXXX  XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 2022-09-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Citibank account due to a separation. I am a first responder, and needed a bank that was convenient to my headquarters. I tried to transfer {$180.00} and some change and didnt realize their format automatically put in a comma instead of a decimal point, so I accidentally tried to transfer {$18000.00} from my old bank account. My account then showed as - {$18000.00}! I called them right away and explained it was a typo. They told me it was pending and would take a few days. Come XXXX, I deposited my paycheck into another checking account because the one I opened still showed as being $ XXXX. I deposited a check of almost {$1700.00}. I chatted online with customer support about the issue. And the next day it said account blocked. The department who could fix it was not there on weekends. I finally got a hold of someone today who explained that they closed the account and I would receive a letter explaining why within 30-60 days, and I would also get my funds via check in 60-90 days. I dont have any money other than whats in my Citibank accounts. And I have to pay rent and take care of kids and pets and bills. Can you please help me get my money out of those account ASAP. I read quite a few horror stories on XXXX about the same thing happening with new account holders and the OCC and CFPB got brought up a lot for being able to help out. Thank you so much

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 2022-10-03
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Jefferson Financial Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX They are Re-Aging old debt so that it stays on the credit reports longer. 

They were sold the debt but the XXXX is not correct since the account is years old and they have it as XXXX of 2022. 

XXXX XXXX is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I enrolled in XXXX university under false statements of affordability to pay back my school loans in the future. I am in debt {$90000.00} in school loans for basically a worthless piece of paper. Well known, not for profit, state university degrees are just a fraction of that! I have never been able to find a job with my degree, years later! Most employers ask about XXXX and once they look into the school Im laughed at and passed up for the opportunity! When I wanted to further my education I had XXXX small children at home and only a XXXX. XXXX  high pressure sales type tactics had me enrolled before I could even sit down and think about it. I was told my school cost would be covered by federal school grants and that XXXX was one of the most affordable colleges in the nation. I was never told they were taking out private loans with high interest rates, and I would be swimming in school loan debt that would exceed that of a licensed medical doctor. I was told that school credit hours were {$770.00}. After doing my research I found that was a fair amount for furthering my education. However, that cost continued to rise the further and further I went into my college and school loan commitment. It exceeded more than {$2800.00} a credit hour by the time of graduation. This is something XXXX knew, they knew that {$770.00} was an initial introductory cost to fool you and hook you, while sophomores and seniors were already paying an upwards of {$2000.00}. XXXX also held my degree and refused to send it until I paid {$970.00} for graduation cost, cap and gown etc.. when I explained I could not attend the date in Iowa , they said it didnt matter, it was due or I didnt get my {$80000.00} piece of paper. I graduated in XXXX, and have never been able to find employment with my degree from XXXX. Since then I had to go on an IBR repayment plan because my school loan cost would have been $ XXXX  monthly. This has caused my private loan interest rates to stack up. Im begging for help! I know they have many class action lawsuits against them, i pled someone hear my case and allow me to join in the complaint. I begging for some type of relief from this fraudulent debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Accounts : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 Notice, it is a fact, and affiant is aware that under 15 USC 1692 ( j ) ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

An FTC Report was filed # XXXX I was unable to print and attach.

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 2019-10-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX  XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I only use my VISA check card when I pay bills on line, shop, deposit a check are cash, thru the ATM or withdraw money with my pin. I don't use my card a lot at all, so when I discover charges on my account, I could member wear my card was located during that time. I phone the claims department in XX/XX/XXXX late night after I got off work. I told them about some claims in my account from the same merchant. The claim department told me is the claims were 60 days old they could recover the monies unless, in was in jail, incarcerated, in the Military or the hospital. The claim department stated that was chase rules, I never read chase rules because chase brought out my bank Washington Mutual so I inherited chase bank. The bank put a temporary credit in my account during the investigation and I waiting until I received a respond from the bank. 

In the month of XXXX my account was overdraw for XXXX when I called the bank they stated the claims were 60 days old and they couldn't recover the funds. A few weeks later they overdraw my account another XXXX when call I was told the card has a chip and the cards was use even I report lost when I couldnt find the card. The chip in the card can't be compromise. So I file an appeal on XX/XX/XXXX with the claim department and I was told they would contact me in 3 to five days. On the XX/XX/XXXX I call again and was told it was denied so I question then about the card lost so I was told they would get back to me. On the morning of the XXXX I try to quick pay monies of XXXX and the account showed an error. I called Chase and I was told I need to spoke with the fraud unit and they gave me a number to Ms. XXXX XXXX at XXXX. Ms. XXXX stated she had my account because of the claims pending my account was overdraw and they sent it to he unit. Ms. said she put my join account on hold and was taking any monies I had with the bank apply to the claims. 

I informed her I never got another response from the claims department from my appear. I was told to call the claim unit! I called claim unit was told the back offices still had the claim. I reach out to the claim unit again on Monday XX/XX/XXXX they said again it didn't matter about the card being lost the claims her denied. The federal government said let the banks fall in XXXX when they gave the taxes payers money to the banks, chase got XXXX XXXX dollars to lend out and they keep the moneys and made profit. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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.

The letters are stated with items and issues.

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