BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX XXXX I am a XXXX y/o XXXX individual. In XX/XX/XXXX My passport was stolen and the US embassy assisted me in getting back across the border back into the USA. As I stated I am XXXX and was told that they would take 10 % or {$50.00} dollars out of my SSI check each month to repay the debt. As the debt and its origins are more than 7 years ago I requested it be removed from my credit report filing both disputes with equifax and also XXXX to get to equifax. They have renewed it several times appearing as a new debt. the original reporting was in XX/XX/XXXX to XXXX equifax and XXXX  of which I requested removal it was not removed. In XX/XX/XXXX again I requested removal and they either the us Treasury or the 3 bureaus keep changing the origin date and or the amount + the date and today it again was placed as a new debt this is today on equifax : " New Bank/Credit Card XXXX XXXX XXXX XXXX XXXX reported a new account on your Equifax Credit Report. 
New Account Alerts notify you when a new account is added to your credit report. 

Alert Details Alert Date XX/XX/XXXX Source Equifax Company XXXX XXXX XXXX XXXX XXXX   Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Balance {$840.00} '' The original balance was {$420.00} It has been on report for more than 7 years. 
I only have proof as far back as XX/XX/XXXX but if you request proof of my signature you will find the dates to be XX/XX/XXXX This is the only derogatory remark on my credit and I have excellent credit otherwise. You can see by the credit report attachments that the original open date keeps changing as well as the amount of the debt at first XX/XX/XXXX the XX/XX/XXXX and now XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Personal information incorrect

Complaint:
I submitted a dispute to equifax on XX/XX/23 to update my birthday as it is reporting incorrectly. I submitted a copy of my drivers license that shows my correct birthdate, by equifax claims that the incorrect birthdate is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX around XXXX an individual with my card info was used at a location in XXXX, GA at a Bank Of America ATM. That same individual went back to the ATM to disburse more money out of my account at XXXX. My account was wiped cleaned and that individual took XXXX out of my account. I did not see the notifications on my phone that unusual activity was taking place until that morning. As soon as I saw that my money was taken I called Bank of America to report fraud. My card was in my possession at the time and I was at my residence in XXXX XXXX, TN. I did not authorize any of those transactions and I certainly was not the person taking the money out of the ATM. I did not authorize any of this and I told the person whom I was speaking to all of this. During the process of the claims I found out that the first person filed my claim incorrectly and said that the lady went back the next day in the afternoon to get more money out. Bank of America denied my claim. I appealed the claim and sent in all of this documentation of where I was at the time that it happened and that it was not me in XXXX, XXXX Bank of America once again denied my claim and said I authorized it. I have appealed the decision again. I have no idea why this is happening and why I am not able to get my XXXX back. If you look back of my history at Bank Of America since 2007 I have never gotten that much money out of my account and I only pay bills with this is account. I never carry cash with me and why in the world would I need that much in cash at midnight???? I am now going to file a police report and have the police pull the surveillance cameras and I'm looking into getting an attorney as well. I did not drive to GA for a day to get that much money out of an ATM when I live in Tennessee. I did not authorize any 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 monetary relief
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: MS
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 submitted a request to Experian for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my XXXX  score decrease by 22 points. That is not fair.

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 2022-10-19
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am being held up on taking a loan out on my property because Ford Motor Credit. I filed for bankruptcy back in XXXX and included the vehicle in this. In XXXX, XXXX renewed a claim against me regarding this vehicle and attached it to my property that i inherited from my mother when she died. 

The attorney handling this says that I am not personally responsible for it since the bankruptcy, yet it still remains attached to my property that i cant take a loan out on because of this. The attorney wont give us a release and he wont give us a payoff either. 

They attached the car to my mothers house back in XXXX it was not my house then. 

Attorney is XXXX XXXX XXXX ex XXXX is who is handling this bankruptcy and wont give me a release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ).

CHASE did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for JPMCB needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, XXXX ) And all secondary Credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans in XX/XX/XXXX. I had made payments of {$320.00} per month from XX/XX/XXXXto XX/XX/XXXXwhich totaled approximately {$46000.00}. My original loan was {$40000.00}. In XX/XX/XXXXI called Navient and asked why my principle had not been paid down after 12 years. They were not able to provide me with information that made sense. I was frustrated and told them that I wanted to change service providers. They told me I would have to consolidate again in order to change service providers. I had just lost my job and was feeling overwhelmed. I consolidated again, losing {$46000.00} paid in interest. Then I received a letter stating that after my consolidation Navient was again assigned as my loan servicer. I called and asked how that could be legal and the representative laughed and said, " Well, it is ''. I have continued to make payments of {$320.00} a month from XX/XX/XXXXto present. I have only paid down {$1200.00} of my principle and owe the same amount that I borrowed after paying Navient over {$80000.00}. I asked for a printout of my payments. They monthly payments go to interest, capitalized interest and " Administrative Forebearance ''. Basically each monthly payment disappears into a void. 

Was it legal for Navient to tell me to consolidate in order to change service providers and then assign my loan back to itself, basically stealing all of the interest, capitalized interest and other fees that my payments were applied to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I took out the XXXX  credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or  disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting suicide. Although, I made the minimum monthly payments and have been told not to work as I suffer from several mental conditions that have made me permanently disabled and  have a doctors statement confirming I have been receiving treatment since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, XXXX has referred the matter to Portfolio Recorvery Associates, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
Portfolio Recovery Associates as a business associate of XXXX needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should Portfolio Recovery Associates choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in Portfolio Recovery Associates best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: EOS Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for XXXX XXXX service in XXXX. In XXXX, I moved out of my apartment and returned the equipment to XXXX. In XXXX, I see that there is a collection that has been reported to my credit file from EOS CCA. I disputed the collection. EOS CCA claims that this debt, {$240.00}, is from XXXX and is legitimate. I have terminated the service and returned the equipment and do not owe XXXX or EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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 express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. 

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history.

Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security.

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: A+ Financial Services, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to cash a money order and the A+ Financial institution on XX/XX/XXXX they took the money without telling me I took out a loan in XXXX! I asked them why take my money with telling me first i owed on a loan i nearly forgot the say I got XXXX and the rest was for interest so the took XXXX from me without telling me it was never on my credit either!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern them.

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