BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX  XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of 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 2023-07-29
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/26 I paid my landscaper thru zelle. He said he didn't get the transfer. I showed him the notice that they sent saying they sent the money. The a few minutes later got another email from them saying that it will be on hold for 24 hrs and he will get it the following day. Two days later he called to let me know he still has not received the funds. I called them on the XXXX at approx XXXX and they said then he would have ot this morning in his account. And still has not occurred. They took the money the second I sent the transfer request and have been giving a run around ever since. 

Thanks for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 ELAN FINANCIAL SERVICE and agent for ELAN FINANCIAL SERVICE XXXX XXXX stated they received my written correspondence. I sent ELAN FINANCIAL SERVICE the following documents : an Affidavit of Truth, Cease and Desist, Invoice, and Exhibits showing the violations. I was notified via certified mail return receipt that Elan Financial Services had received the documents detailing the dispute. ELAN FINANCIAL SERVICE acknowledges they received my cease and desist and responded by closing my account. ELAN FINANCIAL SERVICE also stated they would continue to report information to the consumer reporting agencies which is a violation of the cease and desist pursuant to 15 U.S. Code 1692c ( c ) by indirectly communicating with me through the reporting of disputed information to the consumer reporting agencies. The erroneous information that is being reported has been defamating my reputation and character because ELAN FINANCIAL SERVICE has been reporting the account as " late payment ''. I have been unable to obtain credit. ELAN FINANCIAL SERVICE did not provide validation pursuant to 15 U.S. Code 1692g. I do not agree with ELAN FINANCIAL SERVICE decision to continue reporting the account to my consumer 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 non-monetary relief
Consumer complaint received 2021-11-02
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was unable to find the selection I need as this is in reference to a Text message. It is my understanding that Debt Collector 's must include a way to opt out of texts when they message you, however, there was nothing listed in the message. They already call me many many times a week, i do not wish to receive texts from them as well. I have attached a copy of the text for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
To whom it May Concern : Hello, my name is XXXX XXXX, and I On XX/XX/2021 your office received my request for XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Navient Solutions, LLC.
State: IL
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:
On XX/XX/2018, I filed income-driven repayment plan request. I received an email from Navient stating that my request was approved. My payments were showing to be lowered to {$32.00} for the following month of XXXX. However, as of today it has changed back to the amount {$150.00} without any notification from Navient. I would like clarity and guidance as to why this is happening and for it to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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:
After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.

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 2021-11-08
Company: Monterey Financial Services LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Recently, I disputed an account on my credit reports that is being reported by Montery Financial. The results of the dispute came back as 'verified and accurate '. Thus, I am requesting that Montery Financial provide me with the documents used to validate this debt, given that, I have no knowledge of this debt nor have I made any agreements with Montery Financial. Thus, Montery needs to send me a copy of the original contract ( bearing my signature ) and full accounting for the amount owed, using generally accepted accounting principles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, XXXX and transunion. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX  that was applied for as well, the problem here is im a man why would i need a XXXX  XXXX  card for? I have several disputes that just do not get taken care of too.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! 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 explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a personal certificate of deposit with Bank of America which I opened as a security for a business cash rewards credit card. I closed this credit card over the phone about 3 weeks back, and requested to remove hold on the CD, and send me the funds by check. The card was closed, but the hold was not removed from the CD. Here, I must mention that the business credit card had a corporate account linked to it ( any Bank of America business card has one I believe, and you can only make payments to the corporate account ) and that has XXXX balance since I paid it off before requesting closure. For some reason, the card itself shows {$3.00} balance. ( I've had this happen before, even after paying off the corporate account, the card balance doesn't always reflect it properly ) Anyway, it's clear the card is closed and there's no balance due on the account. Yet Bank of America is not releasing the CD. I called back on XXXX, and again requested to remove the hold, and I was expressly told it would be done in 48 hours. I called again today, and there is still a hold on the CD. I guess I don't know how to get you to close the CD at this point. Whenever I call you, I have to spend close to an hour on the phone even as the representatives have to transfer me from the CD department to the business card department and back. Could you please remove hold on the CD, close it and send me the funds? That is my sincere request, though I have zero idea about why I have to put in so many requests to access my own money. I have to mention here a similar experience I had when I was opening the CD. After I applied online, the application was never acted upon until about a month later, when I filed a complaint with the CFPB, whence it was opened in 2 days. It still led to an additional hard pull on my credit to open the business card after that since a month had passed since I applied, the delay caused only because you didn't act on my CD application. It seems like going forward, if I have any requests with Bank of America, I should never contact you at all, but directly file a CFPB complaint as that is the only way to get results.

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 2021-11-08
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: Personal information incorrect

Complaint:
JPMCB Chase credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme XXXX  and XXXX. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( JPMCB Chase ). So because this address is listed on my credit report, it compromises my ability to find housing. JPMCB Chase corporation and its representatives have purposely lied and defrauded me over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the CFPD. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of 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 2022-10-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX credit card account issued by XXXX XXXX Bank. I always pay my bill in full, And I went to make a XXXX dollar payment, well 3 day 's later it never showed up, so I did it again and it then showed I made the payment. When I did it the second time it never said I had a payment pending. Well anyway they hit my bank for a double payment. I have called them numerous times and get the run around saying it will be deposited, well it has been a week and no money. I feel that they are decieving the plublic, because when I made the first payment it should have said payment paid. But what get 's me is it never said that and 3 day 's later I made the payment again thinking it never went thru and did not want interest charges, I feel when I made the payment the second time, they should have said there is a payment pending for the said amount. They made my checking go into the negative and caused me harm and emotional distress. Well they could have made it better by saying we will put it back in right away. I am still waiting. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a modem for our childrens schooling. Was supposed to be free for first 2 months. We never used it and returned it. We were billed. I contacted XXXX  and they agreed. Now we have a bill in collections for something we never even used or have anymore. We were assured it would be taken care of. Now debt was sold with no explaination. Never even received notification for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: AES/PHEAA
State: MS
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:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from FedLoan Servicing. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of Fedloan Servicing should reflect the true status of the account with Fedloan Servicing. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with Fedloan Servicing shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, Fedloan Servicing and your credit reporting agency did not thoroughly investigate my dispute. Because of this both Fedloan Servicing and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all Fedloan Servicing accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 
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 explanation