BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX -Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-10-14
Company: Manhattan Beach Venture, LLC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!

Company response to consumer: Untimely response
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/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 2018-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX, XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XX/XX/18 XXXX XXXX XXXX  XX/XX/18 FIFTH THIRD BANK XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: WI
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:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

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 2018-08-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX American Express Dear American Express, Bad Customer Service New Accounts Department American Express Cash Magnet Card Application Reference :XXXX I am existing card member American express since XXXX and I am enjoying membership 14 years. I have a Blue Cash every day card and XXXX XXXX card. I noted this days new card offer Cash Magnet card your website and applied on XXXX XXXX .I got a email please call us update your application. 
I called XXXX on XXXX XXXX at XXXXXXXX XXXX ( PST ) New Accounts department and answered agent name called Mr.XXXX. I am asking status about my application and he treated me so bad behavior. He not treated me as a valued customer. 
I asked to transfer my call to supervisor and he said we dont have a supervisor. He answered my called very high tone and I am so got upset. 
I told him I am existing card member and he didnt believe it. he said under my Social security number he can not see active accounts. So I have to provide my full card number to pull up my accounts details. 
I am not worried getting this card and I am worried what he was treated me unprofessionally. 
Please train your agent provide good customer service. 
Feel free to contact me on XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two flights to travel to XXXX in XX/XX/2020. XXXX placed restrictions because of COVID and I could not legally enter the country. XXXX XXXX refused to offer a refund but they offered to change my trip but it had to be before the end of XX/XX/2020and there were no other flights the same price so I had to pay an additional {$460.00} to change the flight to XXXX. In XXXX XXXX still had strict restrictions on travel, and I legally could not go on my trip. When I called the airline and the third party I bought the tickets  from ( XXXX ) they refused to give me a refund and said I had to pay even MORE money to change my flight, which again had to be within a year. I was being scammed out of money, the airline could not legally offer me the services I paid for and instead made me pay more  money to change the flight to another uncertain time. I then disputed these unlawful charges with my credit card company, which is US Bank and they are refusing to help me.

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 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

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 2018-08-20
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:
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX XXXX XXXX  in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , severaXXXX repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

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 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card bill, sent it certified in fact and it was signed for by Capital One. The issued a lte fee for non payment even though I provided proof, in fact provided proof like 10 times. They refuse to reverse their illegal charges despite the reality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20
Company: BB&T CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got scammed 2 years ago which end up having BB & T bank closing my account and removing the remaining money i had. Then 2 weeks later someone try to cash a fraud check in a state which i never been. The bank flagged me to all other banks. Then the branch closed and later bought out by another bank. Now 2 years later i am trying to build my credit and open a account with a bank. And i am unable to do so. The newest bank manager said to get the information from the former bank about the situation. But the is impossible. I need that hard inquiry removed as i am a victim and being punished for it.

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 2018-02-25
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with MERCEDES BENZ FINANCIA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Information belongs to someone else

Complaint:
i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX  was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXXl , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

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 2018-08-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Sallie Mae now Navient who was my loan provider. I asked to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the customer service rep that everything was correct. It wasn't until XXXX that I learned by checking on my status that my student loans had to be transferred to the PSLF for it was never done. I contacted Navient in XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. Just last month I learned that none of my payments prior to XXXX counted toward the 10 year PSLF program which meant that I made 4 years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by Sallie Mae and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Details Last Reported XX/XX/2018 Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Placed for collection Creditor Contact Details PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I thought my insurance paid. I never heard anything until I received an alert from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a 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 explanation
Consumer complaint received 2018-06-22
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: Was not notified of investigation status or results

Complaint:
Submitted an investigation to Equifax on XX/XX/XXXX ( attached ) re : XXXX XXXX XXXX reporting incorrect information on my credit report. On XX/XX/XXXX, I entered the confirmation number to check the status of my investigation online. It stated that I had no pending investigation. I then called customer services and spoke to an XXXX person, whom I kindly informed that she could not help me. I asked to speak to a manager. The manager checks to see if there were any pending investigations. I offer to give her my confirmation number. She informed me that the investigation had been completed and the results were emailed to me on XX/XX/XXXX. I informed her that I had not received an email and even if that was the case I should be able to retrieve my report online once I enter the confirmation number. I asked her about the results which she claimed that there was nothing they could do about the incorrect reporting by XXXX ( which I submitted ). Once I explained the circumstances to her she claim that Equifax does not have a history of my credit report history. She then stated that she would mail me a copy of the investigation report which I would received in about 7 to 10 days. She then stated that she would resubmit my investigation claim. I inform her that I would resubmit it myself. I am only having this discrepancy with Equifax. I do not have this discrepancy with XXXX or XXXX. I tried several times to enter the confirmation number for the dispute and it tells me that my information does not match. As of today, I will also be resubmitting my dispute.

Company response to consumer: Closed with explanation