BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I recieved loans from XXXX XXXX as well as navient I requested a economic hardship deferment on XX/XX/19. Neither company has reached out I was told there is a delay in the processing of the forms that are electronically submitted however I am receiving current Bill 's as well as threats to report delinquent to the credit companies. I am unemployed and currently recieving state assistance. I am unable to make any payments hence the forms. However the student loan companies listed are not providing adequate options to prevent my account being sent to delinquency and penalizes due to their delay in deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
According to Fair Credit Reporting Act, A consumer must provide WRITTEN CONSENT to any Credit Bureau for them to add any items to your credit report. I have not given any credit Bureau any consent to add any items to my credit report. This is called FRAUD and it is also ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I received a response from Equifax on a dispute. They stated they made corrections or deleted incorrect information! However, this is incorrect. The name on the information mailed to me is not a legal name associated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-10-14
Company: AFNI INC.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection account was opened unknown to me. 
Afni Opened XX/XX/XXXX for the amount of {$220.00} with the Original creditor : XXXX XXXX XXXX. 
My husband is XXXX XXXX military and in XXXX we moved to XXXX for his duty assignment and still live here to this day. I've had absolutely no interaction with the collector or creditor and have never done business with them either. These accounts are unknown to me and I'm disputing to have them verified, validated and if not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-19
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The situation is I been with this mortgage company Fay Servicing for years I filed bankruptcy in XXXX with my attorney but I didnt include my mortgage company in my XXXX XXXX I continue to pay during bankruptcy all the paperwork was given to XXXX on the discharge of bankruptcy then so my ex husband filed by himself in XXXX and it seems like their confusing his bankruptcy with mine because they wont disclose my loan account with me at all which is causing problems I cant even discuss my payments with cause problems with me being late and their charging me fees for stuff thats not my fault I had my bankruptcy attorney supply them letter of him not attorney and bankruptcy was discharged but they are still giving me problems I need help with this thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CCS Financial Services, 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 do not own and auto insurance. I disputed this with one credit reporting agency and they deleted but they continue to report to others. I need this account deleted immediately with monetary damages paid out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: DISCOVER BANK
State: KS
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:
This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The Card was mailed to my old address and someone fraudulently made charges and Chase does not accept the fraudulent charges and wants me to pay for them, I have gotten a police report, letter from my apartment stating my move and they are still not accepting, this is over {$5100.00} Dollars. 

Please Help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: In progress
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: HI
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 been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Diversified Consultants, 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: Problem with personal statement of dispute

Complaint:
I received a letter from Diversified Consultants dated XX/XX/19 regarding a {$680.00} bill from XXXX XXXX XXXX. I called Diversified on XX/XX/19 to let them know I do not believe I owed this debt. I changed wireless plan from XXXX XXXX XXXX to XXXX and I was informed by XXXX that they would take care of the switch and pay any existing balance on our phone so I was not aware of this outstanding debt. The letter from Diversified stated to reach out within 30 days which I did. Upon learning XXXX did not complete the process and payment was not sent to XXXX XXXX XXXX, I called Diversified back on XX/XX/19 to make full payment. I paid the full amount on this day ; however, I also learned that Diversified had reported this delinquent collection to my credit report. According to Diversified, they made the report to the credit bureaus on XX/XX/19. This was after I spoke with them on XX/XX/19 letting them know I did not believe I owed the bill and would be getting back to them. I asked them to remove this report to the credit bureaus and I was told that I did not dispute the bill when in fact I did call, and they acknowledged, on XX/XX/19 letting them know I did not believe I owed the bill and needed to investigate. Their response was that I did not specifically say I was disputing the bill. I'm not sure how much more clearer my words were when I said I did not believe I owed this bill. Their report was in violation of their own letter and I believe in violation of fair credit reporting act. I am in the process of shopping for mortgage refinance and this greatly affected my credit score and now unable to get good rates for my home refinance. I am also trying to obtain financing for a business venture but again, this will not take place because of this negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres some Inquiries on my credit report that are Fraudulent, Im a victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reporting on my credit when I have no Legal binding accounts with this company nor have I ever. I have no idea who this company is. But I have no contacts with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph.

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.

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 2021-08-26
Company: HireRight Solutions, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
HireRight had incorrect dates for when I lived at certain address and worked with certain employers. 

I sent over a dispute of the corrected dates and instead of correcting them, they just closed out the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reviewed my credit and realized there is a collection listed under name of XXXX XXXX XXXX. I have no knowledge of this account. This company never provided any information to validate this debt. I never received any legitimate proof before this negative account was placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, a Paypal customer with email address XXXX PayPal has locked my account for over 23 days ago and I was told to submit ID, bank statement and proof of address to unlock it and I was assured it would take XXXX business day. 

But this has taken forever ever since I submitted the requested documents. 

I would want PayPal to put things right for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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.

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 2018-11-15
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This payment of {$350.00} is the final payment on this undisclosed closed account facilitated over a year ago without any notice to customer. I am paying the final amount minus any interest due to failure of Chase to notify me of any changes in XXXX and XXXX. When I facilitated phone conversations with Chase, I was not told account closed and what was owed at the time as I made payments and then tried to use the card and was declined, I still did not receive notice account closed. I had 3-times notified Chase of address change from an apartment in XXXX to my residence address at XXXX XXXX XXXX XXXX XXXX NM XXXX. I now have received bills for 4 months indicating they did not change the address till XXXX. I am not responsible for lack of follow through on your departments failure to contact me in appropriate time to make the balance due at the time. Instead each month a new late charge was added to increase the closing bill with additional charges. That is the challenge I will follow up on with Chase Headquarters, Consumer Financial Protection Bureau, & FDIC. I find it disingenuous to never have my chase account listed on the credit bureaus during the time it was active and up to date on payment and now you are reporting it as a debt problem.

Company response to consumer: Closed with monetary relief