BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-09-24
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I spoke to multiple representatives at Equifax about a false account on my credit report. I have filed a identity theft with the local police department and the FTC in XXXX. 

The representatives I spoke to were XXXX ( XXXX - employee number ) and XXXX ( XXXX - fraud department ). XXXX was to do an investigation about why the credit inquiry was still on my report even though Equifax found that is was fraudulent and did not belong. The dispute number was XXXX and should have reflected the new change XXXX. I have yet to see a change to my report despite multiple attempts to contact Equifax about this needed change. I continuously am told to wait for the new report to see the new change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Company Name is NAVIENT. I received notification in XX/XX/2017 that I was a class member of a class action lawsuit that was filed against Navient. When I went to make my payment in XX/XX/2017, I had to phone them because I did not receive a statement and that is when I was told that there was " no payment due '' on the loan because it was placed in forbearance due to the class action lawsuit and that they could not accept payments. Navient also told me that I would be notified when payments would resume. So periodically over the past year I would check the account online or call them and would be informed that it was still in pending litigation and no payments are due. Once again I just checked my account online and noticed that still no payments are due but the unpaid balance was much higher. I wanted to view my account history to see what the additional charges were and it still is not available for my viewing. So had to phone them for the answer and was told that it has been accruing interest, interest rate increases and fee 's since they placed it in forbearance. I am furious because this was never disclosed to me and I suspect it was being hidden because the historical transaction history was never available for viewing. The CFPB needs to step in because if this is happening to me and I am only 1 class member just imagine how many others are also being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MN
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 disputed some incorrect information that was showing on my XXXX, Equafax and XXXX credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. Equifax did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of  Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX Equifax did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for Equifax is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. Equifax on the other hand is show the account closed with no date but, a perfect payment history through Apr of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On  XXXX   XXXX ,  2017 , I attempted to use  my Amazon Chase cre dit card in  XXXX  for a car rental. The card was declined. I later tried to use it at the hotel as well, only to find out that the card did n't work either.     My adult son has a sub-account of my Sapphire Chase card, and I did n't work at gas station in  XXXX   XXXX  NC on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I noticed that my auto-pays for a ll Chase cards were disabled. I called Chase and they told me that my Amazon and Freedom credit  cards were closed as of  XXXX   XXXX . No communication was sent to me about the account closure. No explanation was given from the representative w ho I initially talked to nor from her supervisor. I was told that I was unable to apply for a new Chase accoun t for 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have parent loans with Navient. I became XXXX. They kept talking me into forbearance instead of income payment plan based on my XXXX and now my loan is so high I will never be able to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by Portfolio for the last 2+months regarding a credit card debt. I have told them twice, including today at XXXX XXXX that I am working with an attorney to file bankruptcy. They say they will make notes and the calls will stop but they don't. I received another call at XXXX XXXX. I have warned them the numbers they call from are being blocked and I don't wish to discuss it further. They call about 6 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
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:
Heartland ECSI keeps rejecting my documents to receive loan cancellation and deferment for being a Special Education teacher in a title 1 district. I have held this full time position since XX/XX/XXXX. 
On XX/XX/XXXX I submitted the forms with a letter from my principal to have my loan cancelled and deferred and it was rejected. I called Heartland ECSI to ask why and they said to have my principal add the dates that I have been employed. On XX/XX/XXXX I submitted the forms again with my principals letter and they were rejected. I called again and they said to have add a paragraph about what my job is. On XX/XX/XXXX I submitted to have my loan put on forebearance until I can get another letter from my principal. My school has been virtual since XX/XX/XXXX and its been extremely hard to get paperwork from my principal. I dont understand why I needed to have a letter from my principal in the first place, she filled out the entire form for me stating that I am a teacher at her school. Why were my original documents rejected?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/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 2019-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Experian 's continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

I am reporting a violation of the Fair Credit Reporting Act Willfully and recklessly reporting false information after being notified of the problem and failing to investigate or correct the problem. I recommend the highest maximum fine for this indiscretion and that the the unverified items be deleted immediately! 

They have not verified anything! I have letters from the debtor which clears me of this amount reading " past due on my file ''

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 2019-05-17
Company: PRESTIGE FINANCIAL SERVICES 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: Reporting company used your report improperly

Complaint:
I've made several attempts to correct the issue with Prestige Company. Company stated applied for a vehicle on XX/XX/2018 from XXXX XXXX and XXXX XXXX XXXX. Made contact with both companies with certified mail and they failed to comply according to FCRA. Prestige continue to report Hard inquiries on report. Requested hard copy and continue to get letters not complying to guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX D.O.B : XX/XX/XXXX I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. 
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : Please update, modify or remove any account that is not reporting with 100 % accuracy. I have been a victim of Identity Theft. To protect myself from further harm, I have filed a police Identity Theft report. These fraudulent accounts were not authorized by me. I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account. I pulled a copy of my credit report and noticed a fraudulent account. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX  XXXX/XXXX Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX  Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX XXXX/XXXX   Account : XXXX Reason : Fraudulent Account Date Open:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: HYUNDAI CAPITAL AMERICA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2018-03-14
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:
In XX/XX/2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX  advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and Equifax that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer.

I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages.

I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics.

I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit.

Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks.

NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Direct Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has called me and left a voicemail. As I was listening to this voicemail, I received a message from my mother stating they have tried to contact her as well on multiple different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Chime Financial Inc
State: OK
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:
On XX/XX/2021, I placed an online order that I did not receive. I informed chime bank via an online dispute on XX/XX/2021. They ( the bank and merchant ) denied my request after sending proof my package was never received and not at my fault. They will no to send my refund. The bank refers me to the merchant and the merchant refers me to the bank. Please help as this appears to be shady business practice on both entities ( chime bank and merchant-XXXX  XXXX ) .

Company response to consumer: Closed with explanation