BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive sent in letters to XXXX and Experian disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the 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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ' need help sending documents to trans union because I don't believe they sending over proper documents I send and finish my investigation to fast been victim of identity theft and need help correcting my credit report Report number 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 2018-09-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft 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 2021-06-29
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I got a copy of my credit report earlier this year I noticed several collection items from a company called XXXX XXXX. They claim that it was a debt from XXXX XXXX in XXXX, OH. I had no knowledge of this debt collection company until I pulled my credit report. I did my due diligence and researched FCRA and FDCPA laws. My findings conclude that by law I have the right to dispute anything on my credit report with anyone that furnishes information to the credit bureaus. The company that furnishes information are required to respond to the consumer. 

I have sent several letters to the XXXX XXXX and they have failed to respond to my disputes. I sent my first letter in XXXX of this year with no response from the XXXX XXXX Consequently they have failed to report to the credit bureaus my disputes when they updated my credit file twice in XXXX. Furthermore they have continued to ignore my request for validation. I have given them more than ample time to respond and have failed to do so. 

At this point I am requesting they remove the items from my credit file from all three bureaus or I have no choice but to file a lawsuit because of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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:
XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

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 2023-05-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been being denied credit for at least the last year and one of the reasons is because of the Transunions credit file they have on file. Particularly 3 accts. XXXX XXXX which they said was opened in XX/XX/XXXX and first became delinquent in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX. That is not my acct is over 7 years old since first delinquent. The next 2 are the XXXX XXXX XXXX. I am o XXXX XXXX   XXXX  XXXX and have been since onset of XX/XX/XXXX. I never paid it and the XXXX XXXX said I didn't have to and trans union will not taske it off despite me sending them documentation contrary to what they are saying not to mention Trans union said they deleted the info on XX/XX/XXXX and  XX/XX/XXXX but when I talked to the supervisor there at transunion he basically said to bad. The loans aren for XXXX and XXXX something and they are saying I have a balance of {$130.00} and {$200.00}. Now y would I pay $ XXXX and not pay {$130.00} and XXXX? I don't owe them and want to fil suit against trans union for slander and or defamation of character..

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 2020-10-19
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: LA
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My funds that were deposited into my account were not available due to Navy Federal Credit Union outage. My bills are now late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: National Check Resolution Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX woman who owns a small retail business locates in downtown XXXX, Oregon. I borrowed about $ XXXX in business loans from a funding company XXXX. I was barely on time with my loan payments before the Covid-19 pandemic that hit the entire country. My business was forced to close as per directives from the XXXX of XXXX and our XXXX of Oregon. 

Due to the Covid-19 pandemic and store closure, I fell behind in my loan payments, and XXXX XXXX XXXX sent my loan account to a collection agency names National Check Resolution Inc. for collection. This company got in touch with me on XX/XX/XXXX, and we worked out a payment plan, which both parties were agreeable to this payment plan. They sent me a form to fill out with the monthly amount to be paid on each date, per month, and the final payment amount on which year. However, after 2-3 months, NCR changed their tune and said they wanted to collect the entire amount. I explained to their agent XXXX, who assisted me with the payment plan agreement, my business situation hasn't changed since XX/XX/XXXX. I was still struggling with my retail business and didn't have that kind of money to pay the entire balance. I also brought up the agreement paperwork that I filled out and signed with National Check Resolution , Inc., which said I only have to pay a small amount every month, it also stated I have until XXXX to pay the last balance. XXXX, the agent said, she recorded me over the phone to show that I agree to a 3 months evaluation to see if I continue to make the payment to NCR, which I did agree to a 3 months evaluation. However, I never agreed to pay the entire amount in full after 3 months as I don't have a $ XXXX lump sum to pay due to lack of retail business in my town. Today, on Tuesday, XX/XX/XXXX at XXXX XXXX, the agent named XXXX from NCR called me and left the following voicemail message on my cell phone : " Yes, this message is intended for __, and this is XXXX with NCR touching bases with you concerning the outstanding XXXX XXXX XXXX, I do need to get the name and number of the attorney that's representing you on your outstanding balance if you can contact the office back at XXXX. 

My heart sank as I listened to this voicemail message. First, I do not have an attorney ; I find this voicemail message extremely threatening and intimidating. I see NCR as a big collection company that's threatening a woman minority business owner who's struggling to keep her small business afloat while dealing with our country 's pandemic. I feel so helpless, and I don't know what to do? 

At this point, I want their abusive phone calls to stop, and I want NCR to uphold their payment plan agreement with me which I've signed with them on XX/XX/XXXX. I have documents of the payment agreement that I signed with NCR, and I can produce the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: FIRST HAWAIIAN, INC.
State: HI
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:
XXXX  XXXX supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which First Hawaiian Bank used to deny us credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: IN
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:
As the original creditor I did not validate these account, I am a victim of Identity theft these accounts are belong o someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2018-02-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2021-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

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 2018-02-13
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: MN
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:
XX/XX/2020 Equifax Credit Information Service reported again for the third time information to my creditor XXXX XXXX that my credit score with them is XXXX causing them to close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: FORD MOTOR CREDIT CO.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation