BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
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 status incorrect

Complaint:
I disputed an account with   XXXX   XXXX   XXXX  . The account is closed with a  XXXX  balance. Equifax continues to validate incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I called to postpone my XX/XX/XXXX payment to be withdrawn in early XXXX, I was told by an agent that my monthly payment had gone down from {$1200.00} to {$520.00}. I asked the agent multiple times to make sure this was correct, I let him know that I had multiple loans and maybe he was reading something wrong. He assured me that {$520.00} was my new payment going forward. I went onto the website to see the amount due for XX/XX/XXXX and confirmed that it was {$520.00}. The agent and I made a new automatic payment arrangement for the new monthly amount due. When I called in XXXX to postpone my XX/XX/XXXX payment to early XX/XX/XXXX, I was told my account was past due {$920.00}. I was told that the agent I spoke to in XXXX was new and gave me incorrect information. I was told that not only had my payment not gone down, it had gone up from {$1200.00} to {$1500.00}. I let the supervisor know that I could not afford that and could not even afford the previous payment of {$1200.00}, which was a lowered payment agreement I had made about two to three years prior, after being told multiple times that I did not qualify for a lower payment based on my income. The supervisor checked my account in this instance in XXXX and once again told me that I do not qualify for a lower payment based on my income. The best she could do was to lower my payment by $ XXXX if I payed interest only every month. I was told that my monthly payment had gone up due to an interest rate increase, which I do not believe since I recall my interest rates being considerably higher when my payment of {$1200.00} was set in place. I am struggling financially with this supposed error made in XXXX since it has resulted in a now {$2400.00} past due amount in addition to {$48.00} in unpaid fees. Since I was unprepared to make my XXXX payment of {$1500.00} XXXX asked to make the {$520.00} payment as planned for XXXX in early XXXX, and I would begin making the new {$1500.00} at the end of XXXX. This new payment along with slowly bringing the past due current is going to further make it difficult to meet all of my monthly obligations, pay for my health care, and put food on the table as it takes roughly 50 % of my income. These difficulties have been present and insurmountable for years because if Navient and are now made even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX ( not XXXX ), I have NEVER lived in XXXX, XXXX, and my current employer for the last 9 1/2 years is NOT XXXX, obviously since I have lived in XXXX for 9 1/2 years, my current job for the last 9 1/2 yrs is XXXX XXXX, where I have maintained a job in this same profession for over 20 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX XXXX, XXXX XXXX XXXX, account XXXX accountname, XXXX XXXX XXXX account XXXX accountname,

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 2021-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX. I sent a dispute to Equifax, XXXX and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to Equifax, XXXX or XXXX. I have been disputing this for 9 months and the bureaus Equifax, XXXX and XXXX  are not legally reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Unauthorized charges are made on my credit card between XX/XX/XXXX - XX/XX/XXXX. Total 87 transactions of amount ranging {$19.00} to {$36.00} were made for total fraud amount {$2500.00} By looking at transaction pattern it is clear indication of some fraud but bank security could not catch it. 
I noticed these charges in Last week of XX/XX/XXXX and called Union Bank. they promptly disabled the card and sent me new card and disputed charges and charges went away from my balance.

I got letter in mail asking to sign on each disputed charge and fax them back which I did no XX/XX/XXXX. OnXX/XX/XXXXwhen I logged in to my account, I see these charges was place again on my card and when I called them they were having no idea why charges are back on my card and escalated my case somewhere and promised me that someone will call me within 24 hrs. I received no call and having good faith that they are doing investigation and eventually will sort it out shortly. But no luck. I called again on XXXX XXXX  as due date of my balance shows XXXX XXXX. In this call also they could not provide any satisfactory reason and said my case is with XXXX XXXX XXXX and they do not have any contact or email you can contact with them. But someone will contact you soon.

Whole day passed but no one contacted me on phone or email.

When I insisted they provide me that my work case # with them is # XXXX They do not know anything more beyond it.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

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 2021-04-29
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax is still showing incorrect information on both of my XXXX student loans. Both of these accounts were paid in full a long time ago. All of the other credit bureaus are reporting a XXXX  balance paid in full except for Equifax. I do not owe a balance to XXXX and I was never late with XXXX. No matter how many times I Dispute it they still refuse to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, Transunion, XXXX, and XXXX have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.

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 2020-07-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today I received an automated collections call from Citibank attempting to collect a payment on a card that 1 ) i have never used and 2 ) per my last CFPB complaint i was assured that the ONLY card that I had left open with citi was the mastercard ending in XXXX. 

Furthermore - When I log into my citi account, there is NO mention or reference to any card OTHER than the one ending in XXXX. 

When I spoke to a customer service representative, they said oh this other card isn't registered online. Well, there is no way for a customer to register a card online. 

When you have a banking relationship - all of your accounts should be loaded onto that servicing platform. 

This seems like a very deceptive banking practice. I do not owe an annual fee on a card that I not only havent used but requested that only XXXX be left open. 

I have an outstanding credit left on this card ... this card has a {$450.00} a year fee - why am i also being charged another XXXX fee on a ghost account? 

This is totally unacceptable. 

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 2020-06-06
Company: Experian Information Solutions Inc.
State: NV
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:
Experian did not contact the data furnisher! The data furnisher is " US Bankruptcy Court ''. not a third party vendor such as XXXX XXXX. Experian stated, they verified the information with " The public record vendor has verified the accuracy of the disputed information. The results summary was sent to you, XX/XX/2020, for review. '' XXXX XXXX DID NOT VERIFY ANY INFORMATION FOR EXPERIAN. STOP LYING ON THIS COMPANY! XXXX XXXX HAS FROZEN MY ACCOUNT DUE TO FRAUD AND HAS NOT GIVEN EXPERIAN ANY INFORMATION. COMPLAINT ID XXXX STATED THE BANKRUPTCY WAS VERIFIED BY THE FURNISHER. LIAR! LIAR! LIAR! DO NOT SEND ME ANOTHER LETTER SAYING YOU VERIFIED THAT BANKRUPTCY! 

Under the FCRA, consumer reporting agencies are required to provide consumers with the information in their own file upon request, and consumer reporting agencies are not allowed to share information with third parties unless there is a permissible purpose. There are several permissible purposes outlined by the FCRA. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 
XXXX XXXX HAS SENT ME A LETTER STATING MY ACCOUNT IS FROZEN DUE TO FRAUD WITH A PIN NUMBER ON IT. WHEN I CALLED XXXX XXXX THEY STATED THEY DID NOT GIVE EXPERIAN ANY INFORMATION.

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 2021-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX recd 2 emails from XXXX -2 transactions auto pay did not go thru. XXXX and other XXXX. On XX/XX/XXXX I contacted chase checking I lost my card. They indicated to me would close & resend new card. Did not tell me anything as I had to ask questions on how this works. I asked about ability to receive funds, auto pay was told it would go thru. occuring will go thru ... so why did 2 autopays with XXXX go thru on the XXXX? Funds are available and chase refused to put2 XXXX transactions. Clearly 10 items came in ent thru after XXXX also asked chase if they would contact me if someone uses the debit card after XX/XX/XXXX as they stated I could set up online as I did. I did not receive any warning of the 2 transactions coming in nor a statement indicating the 2 debits even came in & denied! Nothing. Keep in mind since the XXXX, clearly my statement shows 9 transactions came in and went thru. TWO were auto pay ( XXXX  ). came in on the XXXX and cleared. Today XXXX XXXX and XXXX refused to assist and refused to transfer me to a manager, asked for manager to call me-no one called. They had no right to deny XXXX transactions and never provided notice in writing or over phone of autopay not going thru/denie due to lost card. Refused to assist and treated unfairly.See stmt/ltr

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report " XXXX '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION

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 2019-08-27
Company: EQUIFAX, 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:
Equifax Certified Tracking # XXXX Several different name spellings, variations, SSN variations, addresses and phone numbers appeared on my Equifax credit report, most were taking off. I've included my XXXX report and XXXX XXXX reports showing the same. I've gotten most of this situated before expect a few more items. I was a victim of the Equifax breach in 2012, XXXX document attached ) as well as another breach, and a victim of indentity theft from a close family member. This is another complaint and formal dispute to have this information listed in my letter to be blocked, and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: DISCOVER BANK
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX, Discover, XXXX XXXX. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.

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