BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: LA
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 would like to file a complaint on EQUIFAX for continuing to report inaccurate and unverified information on my credit report. I sent a copy of the check from my insurance company to equifax and also disputed the incorrect information and still equifax has ignored my proof and violating my consumer rights according to FCRA. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

I want the CFPB to publish this description XXXX  information on my credit report. My XXXX XXXX account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Did 2 Hard inquires on my account, on the dates XX/XX/XXXX and XX/XX/XXXX I did not authorize as I do not even know what XXXX XXXX  is. XXXX used a hard inquiry on me in XX/XX/XXXX for XXXX credit before I even began using credit Or attempting to on the dates XX/XX/XXXX and 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 2021-06-23
Company: EQUIFAX, INC.
State: KY
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 have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They froze my bank account without any notification. I attempted to set up a payment arrangement and they refused.

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: 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: Information belongs to someone else

Complaint:
I ordered the cable and internet service with the XXXX XXXX company without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have disputed medical debts on my credit report and have each time I am being told they are valid. I do not recognize the original company nor the collection agency. I have two derogatory marks on my credit due to the same company trying to collect twice for different amounts. I receive phone calls constantly, at times I have been threatened to have legal actions, garnishments, etc. The calls do not stop, even though I have continuously disputed this through XXXX XXXX and through the credit bureaus. I want it removed and have not been successful in getting both removed. I have not been provided with information that proves I owe this debt, I do not show ever having used this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone number kept calling me, and after googling the number found out it was registered to a debt collection group called The CBE group.  Blocked several iterations of their phone number and still keep receiving calls from them. Tried calling them and got directed to an automated voice message system. Receiving the call only results in a few seconds of silence before the call ends. Calls are repeated and happen daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ID Analytics, Inc.
State: GA
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 tried to get a Loan with XXXX XXXX XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX  after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I requested Forbearance due to my husband loosing his XXXX ( XXXX XXXX XXXX ) due to corona virus and my hours at work decreased then to make things worse my husband was diagnsoed with XXXX XXXX  XXXX lXXXX XXXX then later XXXX XXXX XXXX. I was approved for a 6 month forberance I then filed an application with my Mortgage company Homebridge to get a modification of the mortgage at which time I checked my online mortgage account and seen several letters which stated the reduced mortgage by {$100.00} kept me at the same intrest rate and extended my terms for 13 years, for a 6 month forbearance this so predetory I can not believe this is even legal. I contacted them several times they state thier system is down and cant give me information they have given me until XX/XX/XXXX per letter dated XX/XX/XXXX to make a decesion, short time to preasure me to make a decision. please help this should be illiegal in every way how could this be allowed to be done to consumers. Also if I do not accept this terrible offer they are demanding I pay XXXX XXXX dollars what I was behind for the six months as soon as XX/XX/XXXX or they will begin forclosure process. I have reached out to XXXX  they state they have received many complaints frsom Homebridge and other mortgage companies but they cant help I reached out to HUD impossible to get through and only if you qualfy for an attorney. Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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 fraud alerts or security freezes

Complaint:
My good number of applications for bank account and credit cards are being rejected/obstructed due to some so called " credit freeze '' on my account by Experian. When i tried to contact Experian - there is no way one can reach out to a human being. It's a maze of robotic prompts and never ending IVR where no way one can reach out to the human being. 

Recently XXXX denied my credit card application, when i talked to them - i was told it was due to Experian security freeze on my account. 

Experian - don't be so cheap - hire more human beings and fix this problem. Don't put security freeze on your own and at least tell that person with whom you are doing this.

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 2020-02-20
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
EOS XXXX, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO XXXX, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ). The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of their call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX- XXXX  XXXX  on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX  has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.

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 2021-10-04
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: Information belongs to someone else

Complaint:
I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is an unauthorized inquiry on my credit report that was obtained fraudulently. 

XXXX XXXX XX/XX/20

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 2021-08-05
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I made a transaction at a JCPenney in XXXX, New York, in which I was prompted to apply for the JCPenney credit card for a discount at checkout. The cashier reassured me that the inquiry would be a soft inquiry and that it would not show up on my credit report if I did not qualify. I am a student so I ultimately did not qualify, but as I left the store, I received a notification from XXXX XXXX on my XXXX report stating that the inquiry was processed as a hard inquiry. 

I first called the JCPenney customer service line and the assistant told me that that situation should have never happened and told me that they would open up a case on my behalf. I gave them my information but as of late, I have not heard back from them. I called the store after I viewed the hard inquiry on my report, to which the worker who responded told me that they would look into it and that they would call me back the next day. I did not receive a call from them so I had called them that morning and that evening, to which I did not receive a response. The manager of that store called me the next day and said that they would do " everything in their power to resolve the issue. '' I came back to the JCPenney location a couple of times to see if there was anything that I could do on my part to expedite the process, the first time being told that they would be in touch and the second time being told by a worker that " there was nothing that [ they ] could do. '' I waited 2-3 days to hear back from the manager and had not heard back from them, so I had decided to pursue the manner with XXXX directly as a credit dispute. I first called XXXX XXXX consumer report line, to which they advised me to obtain a letter of deletion from the credit card company. I called JCPenney 's credit card company asking for a letter of deletion, and I gave them my information as well as my address so that they could send me a letter to have on file. I made this call a week after I received the hard inquiry on my report and the assistant on the line told me that XXXX and I would receive the letter of deletion in no later than 15 business days and that the hard inquiry would disappear by the end of XXXX. On XX/XX/XXXX, over 35 days since I had made this phone call, I called XXXX again to see if they had received the letter from JCPenney, to which they responded that they had not received a letter from them and that the status was still the same on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-02-20
Company: CITIBANK, N.A.
State: TX
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 received an email from Citi XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Go Capital Holdings, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed. The lender did not let me know what will happen to the car. State law requires them to tell me when it will be sold at public auction, state law requires that the creditor tell me the time and place of the sale so that I can attend and participate in the bidding.If the vehicle will be sold privately, I had the right to know the date of the sale.Georgia has a consumer protection law that allows me to reinstate my loan which they denied. The creditor failed to resell my car in a commercially reasonable manner. I plan on claiming against this creditor for damages or a deficiency judgment. The creditor tkept or sold my personal property ( a new car battery, a XXXX bbq grill ). The creditor did not tel me what personal items were found in my car and how I can retrieve them. The creditor didn't use reasonable care to prevent anyone else from removing my property from the car. This creditor cant account for articles left in my vehicle. After I requested them remove the repossession form my credit, they sent me letters to try and be in conformity with the law. My XXXX credit report reflects a closure date of XX/XX/2017.

Company response to consumer: Closed with explanation