BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a Parent Plus Loan with XXXX XXXX in the amount of {$32000.00}. On XX/XX/2023, I paid the loan off in full. My account at XXXX XXXX now shows Paid in Full balance {$0.00}, but as of XX/XX/2023, my credit reports ( Equifax and XXXX ) do not show the updated balance nor do they show closed. 

I submitted a dispute to XXXX letting them know the account balance should show {$0.00}, but they responded with this statement. " We investigated this item, verified it belongs to you, and updated : Date Updated; Last Payment Made ; Terms ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' I did not dispute the account ; I disputed the balance showing for this trade line and that the account still shows open and should show closed. They did not address my specific request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged on XXXX card and XXXX cards fraudcharges of XXXX and XXXX. Bank of America someone got my XXXX XXXXXXXX card and charged {$3900.00}. 

Both banks are not dismissing the charges. I filed a police report and sent it to the banks. I never made these charges. The banks refuse to dismiss the charges that I never made.

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 2018-10-28
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with National Credit Adjusters. I do not have a written contract with National Credit Adjusters. I reached out to National Credit Adjusters twice for proper debt validation and still have not received proper debt validation for the alleged debt that is listed on my credit report. This is my third and final attempt asking for proper debt validation from National Credit Adjusters. The next time will come with a lawsuit. If National Credit Adjusters can not produce a written contract between themselves and me showing that I acknowledged and am liable for this debt then they must remove this erroneous debt from my credit report immediately. It is NOT suffice to produce any documentation from any third party company. I am asking for documentation directly from National Credit Adjusters. National Credit Adjusters does NOT have permission to contact me by phone, e-mail, or us mail. All communication needs to come through this CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and Experian.

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 2020-09-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: MOHELA
State: VA
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 and XXXX  and not reporting accurate information regarding account with MOHELA as current and open. 

The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I disputed a charge for $XXXX dollars at a hotel that charged me for an extra night when I checked out that morning. My bank disputed the charge but now taking the money back out because they said I was there. Why would I pay for one week at that hotel and stay an extra day!? I was gone way before XXXX because I had to work at XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-28
Company: Experian Information Solutions 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: 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 2022-08-07
Company: AES/PHEAA
State: PA
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 have worked for nonprofits organizations for several years and have always applied and recertified for the Public Service Loan Forgiveness payment plan. Over the last few years, my recertifications have been either been 'processed ' for several months or initially accepted, but not shown in my lender account. Because my paperwork was being 'processed ' for months ( even though I worked for the same employer ), that delayed my enrollment. My loan was recently moved to a new lender, and upon looking into my account, it is showing that I was not enrolled in the Public Service Loan Forgiveness program for several years, which is not true. Because of this error, the months of COVID-related waived payments have not applied to my account. This is a grave mistake where the lender has denied my enrollment and there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Nelson Cruz & Associates LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Nelson Cruz validate an account for XXXX  XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything. This is not my account. Someone else opened this account in my name, which is why I requested full validation from this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Exeter Finance Corp.
State: TX
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:
At the time of the late payment XX/XX/2020 I was severely impacted by COVID-19. And my job went on furlough and the Texas unemployment had me on hold while they verified with my employer. I incurred a late payment from the finance company on my credit report. The late payment was not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX phone number XXXX and XXXX started calling 3 times a day on my cell phone which started about 2 1/2 weeks ago. They also started calling me at work. I advised the  collector she was calling my work number and to stop calling. The following week she called me again at work. She wanted to let me know about my past due account with XXXX XXXX. I advised her 1st that I already asked last week not to call me at work, 2nd I do n't  have an account nor have ever applied for a card. She insisted that I did and she has my Birthdate, and Social Security along with my personal information. She didnt verify my that the person she was talking to on the phone was indeed the account holder. I asked to identify the DOB on file and she stated she couldnt give out that info? Again I stated this is not my account. She transfered me to the FRAUD deptartment. The rep was able to verify that the last 4 numbers for the SSN did not belong to the account holder on file, but she was puzzled on how XXXX XXXX XXXX had my Direct Work line or my cell phone. I asked her to remove my phone  numbers and to stop calling. She said she didnt know how to do that, and could'nt guarantee that the calls would stop? She offered to put me on the Do Not Call Registry, but that is not good enough.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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 2017-05-19
Company: Oracle Financial Group LLC.
State: NY
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:
In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-06-20
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-21
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of XXXX XXXX Halsted Financial Services , LLC . 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from XXXX XXXX XXXX Halsted Financial Services , LLC . 

Neither one of these collection agencies has ever contacted me to verify any debt, yet XXXX XXXX XXXX, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

XXXX XXXX XXXX has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, XXXX XXXX XXXX will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe XXXX XXXX XXXX/Halsted Financial Services, LLC anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and XXXX XXXX XXXX, they fraudulently and falsely continued to slander my credit, and XXXX XXXX XXXX, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want XXXX XXXX XXXX Halsted Financial Services XXXX LLC/ XXXX XXXX XXXX XXXX to cease and desist from ever contacting me again. 

On the credit file, they also list XXXX XXXX XXXX as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and XXXX XXXX XXXX, and XXXX XXXX like to play a game that neither XXXX or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

XXXX XXXX XXXX Halsted Financial Services XXXX XXXX XXXX XXXX XXXX, can contact the Consumer Financial Protection Bureau XXXX and the Consumer Financial Protection Bureau XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
Duplicate trade lines was removed in error and upon explaining to Transunion. I was advise Credit report agency was unable to re-report due to companies policy on an authorized user account. In addition, because of the incorrect reporting error it has now impacted my consumer report and is not reporting accurately.

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