BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019, at XXXX pm I sign in for Equifax 3-1 Credit Scores & Monitoring Family Plan. I was charged {$19.00} for one month service. My goal was to see my three Credit bureaus credit scores and reports and fix if I'd encounter any errors. 
I was greatly appalled to find the following disallowances on the Equifax 3-1 Credit Scores - 1 ) the Equifax system disallowed me to enter individually each of the credit reports and prevented me to see the details on each of the reports. 
2 ). The Equifax system disallowed me to log in after it cuts me off 3 times for the period of 15 minutes. Even when I had my correct User name and a password, even when it prompted me 3 times to change my password ... 
3 ). From XXXX pm to XXXX pm ( the time I was a customer of Equifax ), I was disallowed to use and click on the inner links, which would allow me to look for details and any errors on my credit report. 
I BELIEVE THIS IS DONE PURPOSLY WITH AN AIM TO PREVENT CUSTOMERS TO OPERATE AND FIX THEIR CREDIT REPORT 'S ERRORS. 

THUS EQUIFAX WANTS {$19.00} FOR NO SERVICES PROVIDED. 
I called their Cusomer Serivce number and canceled my membership immediately at XXXX pm. I spoke with XXXX, Customer service, who originally REFUSED TO FULLY REFUND MY MONEY. I TOLD HER I WILL BE FILING A CFPB COMPLAINT AND THIS IS HOW SHE AGREED TO REFUND MY MONEY between 3-5 business days. I protested stating I have been a less than 30 minutes customer, why they will hold my money? ... Clearly, Equifax does not have any interest of providing services to it customers, while BLOCKING THEIR DATA, AND holding the money in its bank account ... the way Equifax 'd earn millions of undeserved $ $ $ $ $ XXXX Imagine if Equifax is holding in such way of cancelation the money of 1 million canceled accounts? How much money Equifax will earn from interest? At the same time customers are not being provided with the service, and Equifax is MISUSING THEIR CANCELED MEMBERSHIP FEES. 
THIS IS SO WRONG! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you XXXX for your order! 

Order Confirmation Print PagePrint Page Product Status Price Equifax XXXX XXXX Plan View My Product Complete {$19.00} per month Thank you for your order. Your transaction code is XXXX. Please make a note of this number or print this page. The transaction code will serve as a receipt and as your account reference number. You may cancel at any time by calling XXXX, XXXX - XXXX EST. Total Cost : {$19.00} Payment xxxx-xxxx-xxxx-zzzz ( I changed the cr. card data ) {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., 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

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau Transunion, XXXX  and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.

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 2018-03-11
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:
There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by 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 2019-11-12
Company: Navient Solutions, LLC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 and XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Bread Financial Holdings, Inc.
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute letter to validate a debt Credence Resource Management , LLC on XX/XX/XXXX. I received a letter from the collection agency acknowleding they received my dispute dated XX/XX/XXXX. Then, I received a second letter from Credence Resource Management dated XX/XX/XXXX stating " The creditor verified that the charges on your account are valid.. '' I did not receive anything proving this debt is validated and that it is mine with this letter I received anything required by the Fair Debt Collection Practices Act from the collection agency. I am requesting that this debt be permanently deleted from both my XXXX and XXXX credit reports because the debt had not been validated and it has been 54 days since the debt validation. Long past the legal amount of time to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: PA
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:
15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act 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 instruction.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, NJ XXXX refuses after two requests from me to delete the pending {$39.00} late charge on car loan payments! 

This even though I have repeatedly stated that because of the novel coronavirus my beloved wife XXXX and I have not been able to work. In fact, XXXX had to quit her job after 16 years! 

This branch manager and the Bank of America demand that I pay this {$39.00} late charge even though I have been making payments steadily all along at {$500.00} and now because of the brutal cruelty of this bank at the original amount of {$770.00}, this bank paying no attention at all to the novel coronavirus as it it does not exist and never did! 

I refuse to pay this {$39.00} late fee! And shall not do so!

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 monetary relief
Consumer complaint received 2019-11-12
Company: Navient Solutions, LLC.
State: TX
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 was contacted by Navient last XXXX and told I was in default on my student loan. I explained I had only recently left college and that I had filed the paperwork for income based repayment. They told me that I had been in default on their loan for over 10 years and that I had never started repayment. Nothing had ever showed up on my credit report concerning this loan and I had never been contacted concerning this loan or the repayment. 
It took me 3 months to finally get them to follow the guidelines for my income based repayment. I started paying them through direct debit in XX/XX/2019. In XX/XX/2019they attempted to take over {$300.00} out of my account with is 6 times what my normal payment is. When I contacted them I was told it was because I hadn't filled out the paperwork for income based repayment. I explained that it was not time for me to file that paperwork again. 
I have had these issues with them repeatedly and I am concerned because I know that a large portion of what I owe them is interest concerning a loan I knew nothing about for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have called Transunion and the representative told me that they could not help me. 
The undermentioned inquiries are either duplicate records or unauthorized. 

XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE XXXX XXXX 2017 XXXX ( DUPLICATE ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE )

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 2021-10-05
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Checking and Brokerage account with Charles Schwab in XX/XX/XXXX. I immediately funded said accounts and purchased stock using the Brokerage account. A few days after opening, Schwab locked both accounts claiming they believed them to have been opened fraudulently. Since that time, I have contacted Schwab numerous times ( 12 ) and supposedly given them all the information they need to regain access to my accounts. Each time I have been told that another office will remove the block and give me back access in 3-4 business days. It has been 6 months of going through this and still haven't regained access. I am obviously being given the run around, which was honestly unexpected from a company like Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Bridgecrest Acceptance Corporation
State: GA
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 recently noticed that errors on my credit report has false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % accurate. This has tarnished my character and credit and I Demand CFPB to enforce correction and or deletion of these items.

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 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my capitol one 360 checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had full coverage insurance and the bank put lender placed coverage on my property. They then included it in my monthly payment at an inflated rate from {$8900.00} to over {$23000.00} I showed the bank my policy and showed the bank my ongoing coverage of insurance while they purposely foreclosed. The bank paid it's employees bonuses and made illegal profits doing this practice for 15 years as well documented in settled cases in the United States ( of which I was never a party ). I was 1 of the persons to stand up to them and fight them. I tried to settle with the bank back in XXXX and offered them the FULL amount of money owed through my counsel XXXX XXXX minus the XXXX. I have submitted numerous documents and my checks and bank statements leading Wells Fargo lose the case and pay attorney fees. They filed for a 2nd time and then dropped the case. This is the 3rd time they have filed. I have the evidence and have submitted it to the courts through new counsel and XXXX XXXX has passed away since this fiasco started. The damages to my credit and my life are irreparable. I have copies of the bank statements including the {$100000.00} to reinstate the loan and copies of all the bank statements XXXX of cashed checks for insurance and the XXXX for mediation with Wells Fargo. The file is too large to attach on this site. The bank answers these complaints with wanting proof of current insurance and not wanting to settle because they have been trying to steal the property for 11 years. NOT GOING TO HAPPEN. I offered {>= $1,000,000} which the bank turned down because they want to take the attorneys want keep generating fees, the bank wants to steal the property and do not acknowledge the ongoing proven settlement in US courts for the same LFPI helping lead to the financial crisis and home theft by BANKS in 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 2021-02-18
Company: SYNCHRONY FINANCIAL
State: NE
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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