BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: OH
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:
In XX/XX/20 I refinanced my vehicle loan through my credit union. I was originally with XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX for my refinance, which was approved and XXXX XXXX XXXX XXXX paid off the loan through XXXX XXXX XXXX. On XX/XX/20 I called XXXX XXXX XXXX who confirmed payoff received. On XX/XX/20 I called XXXX XXXX XXXX and they confirmed payoff information was reported to the credit bureaus on XX/XX/20. Ive waited and tried to speak with XXXX XXXX and XXXX XXXX XXXX about my credit report showing both parties having an open loan for my vehicle finance and they advised me to reach out to Equifax. Ive tried calling and have been told to go online and dispute with Equifax to have the loan with XXXX XXXX XXXX removed, however, the online option for disputing is not available and has not been available on multiple occasions. It has been past 30 days since receipt of the original finance companys acknowledgment of payoff with no correction and it is effecting my ability to apply for a home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ACIMA CREDIT, LLC
State: MA
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:
Only XXXX  is reporting this account as charge-off. This is unfair. Also XXXX is reporting charge-off yet it has a balance. This is inaccurate. I would like this removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was charged a {$40.00} for late fee on my XXXX statement with this company. 
when I made my payment on XXXX/XXXX/2020. the due date in XXXX/2020. 
When I called the company the person I spoke to XXXX who did not know enough English to truly explain but she said since I did not pay my full amount of due payment which was {$200.00} ( I paid XXXX ) then I wrote then and told them that I was sick at the time and could not make my full payment. I also told them that as soon as I could I would send the Balance. After speaking with XXXX she told me that when ever I make a partial payment. 
I needed to 1st call them to see if that would be ok? 
At no time have i needed to make a partial payment but now. 
I do feel that as a customer and on a fix income they would take that into consideration but she told me they do not do that. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I suspect fraudulent inquiries on my credit report. I did a thorough investigation on my credit and I did not authorize these inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Hewitt-Capital
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hewitt Capital LLC Has been contacting other people after have they have been already in contact with me. Disclosing my personal information about my loan to other contacts. Repeatedly calling my ex boyfriend with phone calls and my step father.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from XXXX XXXX XXXX XXXX I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries.

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with Equifax on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A.Section XXXX It also state the consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, XXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S. 1681 Section 604 A.Section 2 It also state the 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 2019-06-13
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase is charging me {$790.00} for a transaction that should not have had an extra charge. I had emergency XXXX while traveling in XXXX. The hospital required a temporary deposit of {$10000.00} euros ( on XX/XX/2019 ) which was returned when the insurance company verified payment ( on XX/XX/2019 ). My Chase credit card does not have foreign transaction fees - the amount debited in dollars should have been {$11000.00} because the euro to dollar exchange rate was XXXX on XXXX XXXX. Instead, they debited {$12000.00}. When the {$10000.00} euros was returned, they credited {$11000.00}, which was correct because the exchange rate was XXXX on XX/XX/XXXX. As a result, I am disputing the extra charge of {$790.00}. I have contacted them by phone twice, by secure message with documentation, and by mail with documentation, and every time they give me a different reason for the fee and deny my request for the charge to be removed. I contacted the hospital, and they said they charged XXXX euros and returned XXXX euros so they did not get the extra money. Chase first said it was a difference in exchange rate so I showed them it wasn't. Then they said we used a PIN for a cash advance - I don't even have a PIN for the card, plus it was a purchase of hospital services, not a cash advance. They have not responded to my last letter ( XX/XX/2019 ) disputing their reasons - it has been a month with no response. I started my protests in XXXX, as soon as I got my statement and saw the mistake. I have attached their last denial letter, my response to the letter, and my Chase statement showing the debit and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Bread Financial Holdings, Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I signed up for a membership with www.experian.com to check my credit scores. I canceled the services XXXX months ago. As of today XX/XX/2019 this company has continued to charge my credit card {$30.00} per month.

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 2018-07-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX no response from collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance {$300.00} Date opened XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Old information reappears or never goes away

Complaint:
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX, are reporting an account as delinquent that are pass the seven year reporting time as allowed under the Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. This account is more than seven year old.

According to the Fair Credit Reporting Act, Section 609 a1A, Equifax are required by federal law to verify, through the physical verification of the original signed consumer contract and all accounts they post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NJ
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:
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 Did not authorize these companies to run my credit nor recognize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 Did not authorize these companies to run my credit nor recognize the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 at XXXX they called and it was automated. I have never received any written notice from this company. I also have never had contact with them before this so I did not give them my phone number or permission to contact me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: C/C Financial
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Preferred lease has been contacting me since XX/XX/21. This company is trying to get extra money out of me after they have already took my credit card I have paid them {$2700.00} of my consumer money for furniture plus they are trying to charge me an additional {$900.00} dollars after the use of my social security number. The furniture was paid for and now they are trying to collect double the payment. That is a violation after I have told them not to contact me, I have never given preferred written consent to contact or harass me and they refuse to stop. I am afraid to answer my phone because they have given my XXXX I block the company from contacting me but they send text messages and call from multiple different numbers XXXX I sent preferred Lease an affidavit of truth, a cease to communication and a copy of phone records and an Federal consumer invoice in one envelope certified mail return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Mr. Cooper Group Inc.
State: NC
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:
Mr. Cooper Nation Star has incorrectly reported several months on my credit report as late. I have disputed the late payments and they have since then been corrected for some but not all. My mortgage payments are still showing late for XX/XX/2022, XX/XX/2022, and XX/XX/2022. XXXX had fixed the issue and took the late payments away but they popped back up. I put in several disputes for all 3 bureaus and they told me they would be corrected however they are still reflecting on my credit report. I have also been told that I would get calls back within 48 hours and have not received any calls back and have had to call back each time being told that I have to start restart the process because they couldn't find the information in the system. Currently, I am needing XXXX and XXXX reporting to be corrected. There seems to be no stream line for effective communication and this is affecting my credit report/score. The costumer service as been awful & exhausting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation