BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: EQUIFAX, 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:
In XX/XX/XXXX, Equifax reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with Equifax XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by Equifax for the fraudulent XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, 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:
DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan is with Navient. 

On XX/XX/XXXX, we spoke with XXXX. She told us the loan balance was {$10000.00}, as of that date ( XX/XX/XXXX ). 

Our records show the balance is paid ( more than ), and we requested a full payment history, with all charges, and the original loan documents, with the Truth in Lending Statement. She said those documents would be sent, but in the meantime, she insisted we set up a payment plan. The documents were never sent, and now they are again pressing for collection. 

The first loan disbursement was in XXXX of XXXX, and the original principle was {$15000.00}. 

As of XX/XX/XXXX, all fees, including late charges, interest, and forbearance fees, total {$8800.00}. 

Loan Total = {$24000.00} Payments, beginning XX/XX/XXXX, through XX/XX/XXXX ( as shown in the account history on XXXX XXXX XXXX -- not our personal payment records, but Navient 's own payment records XXXX total = {$25000.00}. 

We've tried for years to get Navient to review the full payment history, but the representatives always state they can't see any payment history prior to XXXX, when they took over the loan. They refuse to do anything except demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: SC
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 disputed this alleged debt with Equifax on multiple occasions. I have sent several notices via certified mail to Equifax asking for their method of verification concerning the alleged debt from XXXX XXXX  listed on my credit file and they have failed to comply with my request. Equifax is in clear violation of the FCRA and can be sued for violations of such. i demand immediate removal of this inaccurate unverified account from my credit file within 30 days of this complaint! I will enclose a copy of the letter and certified mail receipt of my latest attempt to resolve this matter. XXXX XXXX is not an acceptable means of verification when i asked for a fair re investigation granted to me by my consumer rights. this will be my last attempt to resolve this matter before i take legal action. if this account is removed immediately i will consider this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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 have a revolving account with XXXX XXXX. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, XXXX XXXX  pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for XXXX items using my line of credit. Again XXXX XXXX  pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.

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 2017-10-02
Company: EQUIFAX, INC.
State: CA
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:
One morning I woke to find every bit of my private/personal financial situation was hacked from Equifax and now made vulnerable to identity thieves because of Equifax. I am now permanently, for the rest of my like, a potential victim of identity theft at MY expense, regardless of the fact that I have diligently guarded MY private information (SSN, debt, address, etc) on MY end, (safe web browsing practices) for as long as I have been on the internet and used banking/financial services. My information was never publicly available until the occurrence of this breach, and I am incredibly angry because I've never consented to any of this information being retained and freely floated around for hackers to simply steal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion refuses to remove inaccurate fraudulent information on my credit report. They are in violation of the FCRA. I have tried to dispute this information to no avail.

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 2017-07-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting to my credit 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 2017-10-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment {$54.00} missed XXXX payment XXXX Closed account - would not remove late fee XXXX Went into XXXX XXXX store in XXXX XXXX and paid balance of {$58.00} XXXX received another bill for missed payment in XXXX due date of XXXX - would n't remove fee even though account closed and Paid in full - said they could not remove it after the account was closed Received new bill with ANOTHER late fee XXXX - XXXX with a minimum charge of {$2.00} = {$29.00} so my bill is now {$63.00} in late fees Called XXXX - was transfered to a manager - was on hold for 25 minutes ( seriously on -purpose ) - would not remove any late fees - said it was in terms and conditions and could n't help now that account is closed. So now the last 2 bills are just late fees on late fees! I was a XXXX member of XXXX XXXX. The lack of customer service from XXXX and it 's employees to help me has been ridiculous. I took care of the payment that was due - spoke to a XXXX customer service person on that day in front of the store manager. Could not believe I received a bill for a LATE FEE on a closed account that I had settled two days late. Now another bill with another late fee - no product - just late fee on late fee. Unbelievable that a bank can do this and not even try to waive/correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX  had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. 

Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX  XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. 

The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.

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 2017-07-07
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I received a written notice of the claimed debt, a copy of which is attached. On XX/XX/XXXX, I sent a letter to Rash Curtis and Associates in response to this notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. As of XX/XX/XXXX I have not received any written correspondence from your firm with validation of alleged debt.
<P/>
On XX/XX/XXXX, I applied for loan and received a copy of my credit report from XXXX credit reporting agency. Included in that report was the following incorrect information the firm reported : RASH CURTIS & ASSOCIAT XX/XX/XXXX PAST DUE {$2500.00} # XXXX XXXX XXXX XXXX XXXX  BY XXXX XX/XX/XXXX XXXX MEDICAL PAYMENT DATA CREDIT GRANTR CAN NOT LOCATE CONSUMER MEDICAL ACCOUNT IN DISPUTE PAYMENT DATA As a result of this reporting my credit score was damaged and my ability to pursue further loans has been delayed until this reporting has been removed. Reporting this activity with out validating debt per my request within 30 days is a violation of the FDCPA Section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit 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 2022-04-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX. I opened a Synchrony Bank credit card, when I received my bill, I noticed a charge of {$21.00} on XX/XX/XXXX from XXXX XXXX and {$24.00} on XX/XX/XXXX from XXXX XXXX that were not my charges. I contacted the credit card company and told them that these charges were not my charges, and I did not authorize them. Then paid the credit card off. Since then, they have continued to leave these charges on the card charging me astronomical amounts of interest and fees. 
In XXXX. XXXX trying to resolve this. They sent me a list of all charges, that were made on the credit card, along with the payments that were made. Still these XXXX charges are on there. I reviewed all the transactions and agree with all of them except these XXXX transactions from XX/XX/XXXX and XX/XX/XXXX. I have sent the transaction authorized/not authorized list back to the credit card company and still, yet they refuse to remove these XXXX charges and continue to charge astronomical amounts of fees and interest. 
I closed the card on XX/XX/XXXX. The credit card company then took it upon themselves to open another card in my name and transfer these fraudulent charges and fees. And continue to bill me, under a completely different account number. 
Remove fraudulent charges and these astronomical amounts of fees and interest. According to my calculations there maybe a {$90.00} balance. That was put on the card after. XX/XX/XXXX, I don't how that happened because the charge was made, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ge capital is in violation of the Fcra THEY ARE TRYING TO COLLECT ON A DEBT THAT IS NOT OWNED.

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 2017-07-05
Company: EQUIFAX, INC.
State: MI
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:
I was a victim of identity theft. Equifax removed everything from my credit report even items that were n't disputed along with auto loans that are currently active. and 2 auto loans that i had previously paid off this has caused even more harm to my credit.. They have blocked these items from my credit reports. Equifax has also reinserted 3 items that were deleted due to the identity theft. These items do not belong to me. i was not notified at all by equifax or any one else of these items being re inserted XXXX XXXX Reported : XX/XX/XXXX + {$52.00} Needs Attention XXXX XXXX XXXX XXXX XXXX .
Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX NA XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 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