BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
US DEPT ED account number XXXX is reporting inaccurate information : Balance owed, dispute status, last payment, and past due amount. Delete this account immediately.

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 2019-09-26
Company: Experian Information Solutions Inc.
State: PA
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:
DEPTED/XXXX ACCOUNT NUMBER XXXX is reporting inaccurate data : Date opened, Payment status and Last payment are inaccurate. Delete the account immediately.

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 2020-01-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.

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 2019-09-26
Company: Experian Information Solutions Inc.
State: IL
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 was the victim of identify theft between XXXX. I discovered someone had open a account using my information and reporting to the police and the account was removed from my credit report. About a year later I discovered the same person had opened up about 10 accounts in my name using a different address and paid on the accounts. She abruptly stop paying the bills in XXXX. There was a police investigation and I completed an Affidavit of Identity Theft. I contact all the creditors and the accounts were removed from my report and I was not liable for any of the charges. Two years later in XXXX I starting getting collection calls and bill from XXXX XXXX XXXX saying owed XXXX XXXX {$1000.00} and {$380.00} for account I open sometime in XXXX.. Both of these account were opened fraudulently. I contacted XXXX XXXX XXXX and they removed it from my credit report and I was not liable for the charges. Somehow these charges fell thru the cracks and was charged off and sent to XXXX XXXX XXXX. I have tried for three years with Experian to explained this was a fraudulent accounts and they just keep verifying as mine. The last time I sent the police report and the Affidavit of Theft they put a fraud alert on my account which is pointless now the fraud took place in XXXX. They sent me a credit report stating the two XXXX XXXX XXXX accounts do not appear on my credit report but they do ( see attached ). The problem is they never read my letters they just verify the accounts are mine because the person used my social security number, name and date of birth. When I contact XXXX XXXX now they can not help because they sold the accounts. I do not know what to do can you help?

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 2018-12-15
Company: EQUIFAX, 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:
Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed a complaint against experience with your organization. XXXX  had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. XXXX reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. XXXX  also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM
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:
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: KEYCORP
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: Account status incorrect

Complaint:
Key bank had reported late payments to my account for my credit account ending in XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XXXX XXXX, I received notification that my credit rating dropped 50 points for no reason. I immediately contacted XXXX and asked them how that happened. I was told to contact XXXX about this matter. XXXX representatives tried to charge me for the information I was requesting. When I refused to pay anything for the information, they gave me very complicated and convoluted instructions about the procedure I needed to follow in order to obtain such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.

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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

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 2017-11-22
Company: RGS Financial, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent in validation letter without them verifying the debt to me, they updated the account XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is the loan servicer and even though a letter of cease and desist was sent to them indicating to contact us by mail only, they continue to call daily. Sometimes multiple times daily. This is clearly harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters. 

All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Old navy credit card has received payments and have not posted them on time. Thus lowering my credit score. I made six consecutive payments on time since XX/XX/2019 and they reduced my credit limit, thereby decreasing my fico score erroneously.

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 2019-05-03
Company: 2288984 Ontario Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a loan from XXXX XXXX on XX/XX/2018 they take out XXXX biweekly I called to inquire about payoff amount I borrowed XXXX and my payoff balance as of XX/XX/XXXX is XXXX not only have nothing came off of my balence of the XXXX already paid. The said it is so high because I didnt do the other pay off options that was never even offered to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One Auto Finance obtained a copy of my credit report on multiple occasions that I did not authorize. Dates are as follows : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018. I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX sent me correspodence in the mail stating that i owe them {$100.00}. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined contract stating that i did buisness with XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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: Information belongs to someone else

Complaint:
This company is refusing to remove inquiries I did NOT authorize. Although I may have accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is willfully violating public policy by continuing to report unvalidated accounts on my credit report. I have disputed the accounts with the debt collectors and they are not complying with the law and ignoring requests. Some of these accounts have been removed from other credit bureaus. Experian failed to provide me with the items listed in my complaint letters that are required under the FDCP. I have been going back and forth with them since XX/XX/2019, and to no avail they keep saying the same script that the items are verified when they are not. It is now XX/XX/2019. They are forcing me into homelessness where I can not find housing because of these erroneous accounts that should have been removed. I have sent 4 letters notarized via certified mail to experian and I have gotten the same response. They have not provided me a copy of an original consumer contract with my signature on it or any documentation at all. They are also lying and saying it meets the FCRA requirements and it does not. Experian is now threatening to leave unvalidated items on my credit report for 10 years and saying they will not reinvestigate in the future. This is unlawful and a miscarriage of public policy. I will hold Experian accountable for their actions and all parties involved for the damages I will incur in the near future of not being able to find a place to live and being denied housing,

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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted for mortgage assistance in XXXX of XXXX. They kept asking for XXXX more thing. We finally got approved to start XX/XX/XXXX. I have filled out the contract XX/XX/XXXX times They say each time the company rejected it. Today after making XXXX payments towards this plan on time ... they say they are canceling it. They say they will foreclose. I attempted to contact XXXX XXXX my customer representative and he was not available nor was any other representative. I can not get an appointment until the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Consumer Portfolio Services, 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:
The company will not cooperate with investigation i requested so i filed a complaint with XXXX. The company states then updates my credit report stating i was late after i complained to the better business bureau about payments and due date and the amount owed. made in adjustment on my account that the amounts still are not adding up. i called ask for them to please remove the late off my credit report report after customer service realized it was an error. rep stated he would send something over immediately and would not give me anything in writing. this still has not been updated. as a result i have been denied housing and could become homeless in 30 days with my family. This has been going on for months. This is very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2020-01-13
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:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on 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 2017-11-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been banking with Citibank for over 15+ years. In XXXX  2017 Citibank allowed a fraudulent transaction to go through with my checking account. A check was processed/debited from my checking account two times on different dates. The recipient of the initial check might have committed a fraudulent activity by redepositing a check that they deposited two months prior. Citibank allowed the check to clear my account the second time around and has yet to credit me back my money that was clearly stolen from me. It is now the end of XX/XX/XXXX and i have not gotten any feedback from Citibank. I will be removing all my money and changing mortgages once this is finalized. Citibank has shown me terrible customer service in this situation. Utterly disgusted with Citibank.

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 2021-09-15
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, 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:
im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  {$2200.00}

Company response to consumer: Closed with non-monetary relief