BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
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:
Equifax is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Lockhart, Morris & Montgomery Inc.
State: NM
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:
On XX/XX/23 I submitted a complaint through CFPB on XXXX and have not received any closure on the complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to 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 2018-03-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Response to Bayview loan servicing llc adding XXXX to my loan as court papers attached will show.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: I.C. System, 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:
Disputed debt with collection agency that I did not have an account with their client. Report indicates an account opened in XX/XX/2020. I have no such account in my name. They responded that their investigation, which unsure what they mean, is accurate. I have been living with my daughter for more than 2 years and she has cable contract in her name and its not this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
On XX/XX/XXXX I received a notice from XXXX  XXXX  that XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit report. The business is located at XXXX XXXX XXXX, XXXX, KY XXXX. At the time the report was pulled, I was working at XXXX and XXXX in XXXX XXXX Ohio. I haven't been to XXXX since XXXX. I called numerous times regarding this issue and they still haven't removed their inquiry. I explained to the company that I am on XXXX and haven't been outside of the State of Ohio since XX/XX/XXXX. It's been a couple of months since I last called the company and they still haven't removed their inquiry. 

I also received a hard inquiry from Credit Accept Corp/CAC on XX/XX/XXXX as a result of the XXXX XXXX credit pull. I asked XXXX XXXX about the pull and they told me that CAC is their financing department. I contacted CAC about the issue and explained that I haven't been to XXXX since XXXX and that I didn't give either company any permission to pull my credit. Like XXXX XXXX, they haven't done anything to remedy this.

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 2018-04-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an unauthorized " Hard Inquiry '' on my credit report from a company called XXXX, who was affiliated with XXXX. 

We had been in the process of looking for a merchant services account, and came across them through a link on XXXX. 

I was originally told by a person at XXXX it was a soft inquiry, and got virtually almost no information past that from the sales person, stating it was no big deal. 

I was irritated to see it and tried to submit a complaint and dispute to transunion. 
Not only was I unable to upload a proper document to submit a dispute online, I was told by a phone representative that if I wanted to dispute it, I'd have to obtain a letter from the offending party at XXXX stating that they did it. 

When I told them that that is ridiculous, and that they are asking me as the victim of misuse of my credit information, to ask my perpetrator to tell on themselves as the only way to remove this from my report. 

They stated yes. 

I told them that was absolutely ridiculous and empowering misuse of peoples credit information, leaving the victim no way to remove misuse of their information on their report. They stated it was the only way they would do it, and I told them that's a violation of my credit reporting rights. 

That's like asking a XXXX victims XXXX to self confess to XXXX, as the only way the XXXX can be convicted. I think we'd all agree there is a serious flaw there, and that transunion is in violation of my credit rights it attempting to maintain this policy. 

I want the hard inquiry removed, and for transunion to be fined heavily for violation of my credit rights. 

I have already been a victim of both tax fraud, and identity theft, and find this to be absolutely infuriating and very upsetting. 

If I did not give someone authorization to do a hard inquiry on my report, I have every right to have them remove it. 

In a day where we are seeing data breaches at credit agencies, and large companies like XXXX, to behave in this manner toward a victim of credit information misuse is sickening, and I expect action taken against Transunion. 

Please help me in this matter.

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 2023-10-04
Company: Navient Solutions, LLC.
State: GA
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 completed my education in XXXX with student loans which I been paying without any break since XXXX. The only thing is the original servicer turned over the payments to navient and recently I tried to get the information from navient and the they saying I have had the loans since XXXX. I wanted to find out if I qualify for loan forgiveness since I have paid the loan since XXXX without any break.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Capital One was my mortgage company. After I filed a previous complaint with the CFPB, I sent a letter to Capital One to close my escrow account. They sent me a letter back, saying that they had closed it. I pay my own mortgage insurance separate from my payment. About 5 months later, they reopened my escrow account without my permission to force-place flood insurance on my property. I had already gone on the website to upload this document so that they would get it. So now for 8 months, they have been charging me for flood insurance that I already have. Then they told me on the phone that XXXX would now be handling my loan and that a lot of accounts are being transferred to XXXX because Capital One is no longer in the mortgage business. I called Capital One to make a payment and I was told this. I inquired as to whether XXXX was a collection agency and Capital One told me emphatically that they were not. 
Now, I have contacted XXXX to pay on my loan and they advised me that there is a cease and desist order placed on my account. I did not place this on my account. Capital One placed this on my account before it was transferred. So, hence, XXXX could not even contact me for payment. The girl on the phone with XXXX accidentally told me about the cease and desist order, AFTER she even told me that an account manager would call me. Which he can't even call me because of that. Now I have to write a letter to remove the cease and desist order - which I did not even put there in the first place. Capital One needs to get out of the banking business, period. No one who works there can do their job competently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Account information incorrect

Complaint:
This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my 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 2020-05-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
( XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 

XXXX Inquiry : XXXX XXXX, XXXX General Clothing Stores XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX XXXX XXXX Account # XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since XX/XX/XXXX I have been trying to get a letter stating a mortgage was charged off in XXXX. I have a referee deed and a lien release. It shows in their system but they say that isnt accurate even though their system shows a lien release. They cant find my account in their system because it is an old account in their old system.So they transfer me to other departments who say no the letter was approved and you will get it in XXXX hours. Its been XXXX months I have XXXX different case numbers. I just need a letter with my account number stating that the account has been closed. It is an constant back and forth I have been to every department and not XXXX person can do anything to help. Every different representative gives a different story. I have sent in written requests I have called every number I have spoken to every department I get different information from every department. I have spoken to managers and supervisors and they never return phone calls.

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 2019-02-19
Company: EQUIFAX, INC.
State: VA
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:
Ordered Free Credit Report ( been doing this since XX/XX/XXXX ) I get Free Report from different Credit Reporting every 4 months. Total 1X per year from each agency. 
On XX/XX/XXXX I contacted automated line as usual XXXX and gave my choice as EQUIFAX. On XX/XX/XXXX I still had NOT received Report. I contacted Equifax and after lengthy questions ( 27 MINUTES ), I was informed " Verified '' and that Equifax had NOT received Request. ( NOT TRUE ). 
I became concerned about what happened and who had my Credit Report after waiting for almost a month, thus I made this inquiry to Equifax. It seemed like I was talking to someone in a Foreign Country as we had problem ( s ) understanding each other. 
I asked for explanation of why I did not receive and was told other customers are experiencing same issue. 
YOUR SYSTEM DOES NOT WORK, at least with EQUIFAX. 
This entire issue has been a nightmare and time consuming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Partial Account number : XXXX My wife and I have been loyal customers of Chase for nearly 20 years for our deposit accounts, mortgage and credit cards. We have run several XXXX dollars through our accounts over the years. Prior to the current issues on my Chase credit card, I have never had a negative mark on my credit reports and my scores were well over 800. 

My wife and I are wanting to refinance our home in both of our names, however, when we had our lender pull credit, we were shocked to see a huge decrease in my scores due to recent 30 - 60 day late marks reporting from Chase. This account was to be closed and paid off at the same time the branch closed my business deposit accounts. 

After months of going back and forth it seems the branch closed by deposit accounts correctly and they even closed by credit card, but they failed to transfer the money to pay off the card balance during the transactions as authorized in person by me during the closure process. Since I lost my online banking access with the closure of my accounts, I wasnt made aware of the balance not being paid off and that bank fees were added to my account, in error. Eventually the bank removed the fees and I paid the account off but that was after I was already reported past due to the credit bureaus thus dropping my credit scores 60XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Ability Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the original creditor and all three bureaus on XX/XX/2021 and XX/XX/2021 no one is helping me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a personal loan with XXXX XXXX through Comenity Bank for XXXX XXXX XXXX of XXXX. I made regular payments on the loan until my family hit significant financial hardship. I worked with XXXX XXXX XXXX and they were able to make a payment arrangement with XXXX XXXX. I made payments on the balance and XXXX on the amount agreed upon. My credit report shows as the amount is unpaid and charged off and never addressed. I called Comenity, with whom XXXX made the arrangements with and sent payments, and they said they terminated the relationship with XXXX XXXX, they didn't take my money, and they could provide me no information on how to get in touch with XXXX XXXX. The website that is out there for payments is broken, you can't contact anyone. I have no recourse to fix this item. I paid the full amount and I can't get them to even talk to me. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company 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 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
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 did not authorize nor consent to the following inquiries being furnished on my consumer report. 

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