BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
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: Account information incorrect

Complaint:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: College Foundation, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 was part of an IBR with College Foundation of North Carolina. When I needed to redo my paperwork there was an error in the initial application. I immediately sent in a new application. In the interim I began to receive invoices for upwards of $ XXXX {$900.00} per month, far beyond my means. I spoke with representatives and the gave me a forbearance while the problem was resolved. During this time I still made some smaller payments to show good intent. I never received notice that the forbearance was up, but did start receiving bills for $ XXXX again. I continued to make small payments and reapplied for an Income Based Repayment plan. I finally received notice that my application was rejected because I was already on an IBR. I never received notice of my IBR being accepted and was unaware of the proper amount I was supposed to be paying ( the website was down for maintenance for months ). In the meantime, CFNC reported me as 30/60/90 days late on my payments. Since I technically have 4 separate loans, this report lowered my credit score by almost 150 points overnight. I have disputed the credit reporting multiple times and written a letter of goodwill, but have been resolutely rejected. I am trying to refinance a home right now and can not do so because CFNC 's callousness is beyond the imagination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with Transunion, XXXX and XXXX regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX After filing multiple disputes online and getting a response that it was verified, I sent out XXXX letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.

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 2021-04-22
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 CREDCO XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

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 2021-04-22
Company: FORD MOTOR CREDIT CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 FORD MOTOR CREDIT CORP XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was also a victim of Identity Fraud I didn't not know this account was on my report and when I challenged the debt the company provided ELECTRONIC SIGNATURES that was not made by me they also did not update my credit report stating the account was under dispute within 30 days Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Also this company is reporting the account under multiple Business names Perfection Collection and XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: OH
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXXXXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX Select Portfolio Servicing Inc. was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over XXXX phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. 
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. 
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. 

I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2020-04-25
Company: CCS Financial Services, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I receive preventative medical services from XXXX XXXX ( XXXX ) every three months as part of my XXXX XXXX ( or XXXX  ) medication. XXXX uses XXXX for XXXX XXXX. I have XXXX XXXX XXXX XXXX health insurance. Every three months after I receive XXXX XXXX through XXXX, I receive a bill. The bill is never the same amount. It has been less than {$100.00} or more than {$250.00}. The last lab services I received, I was made to sign a piece of paper as I was getting my XXXX  XXXX   agreeing that I would pay any medical costs not covered by my insurance. The letter stated that my deductible matched the amount for XXXX 's services. What is the chance of their services matching my deductible exactly and then they send me a bill. It seems shady, and it is wrong that I am forced to sign a piece of paper as I am going to get my XXXX  XXXX. Also, I am getting needed testing and preventative services. XXXX XXXX Services are supposedly covered under the Affordable Care Act : https : //www.cdc.govXXXX   They report random amounts to my credit reports under their collection company " CREDIT COLLECTION SVCS. '' I believe they have used " XXXX XXXX XXXX  '' as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. 

These late payments severely damaged my XXXX XXXX and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order online with my American Express serve card. I mismatched the billing and shipping addresses and placed the order however the order never went through the money was still put on hold. It 's really important to me that I can correctly place this order as soon as possible but there is absolutely no customer support for the American Express serve card to help relieve the hold. If there was someone I could explain the situation to then I know they would be able to take care of the situation but there 's nobody but a menu to greet you when you call or get transferred for customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was XXXX and according to law once a debt is paid and XXXX is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; XXXX XXXX XXXX ( XXXX ) providing false information to credit reporting agencies FCRA violations ; XXXX U.S.C. XXXX duties of furnishers to provide accurate information. 

XXXX XXXX. XXXX - failure to provide accurate information, failure to correct reporting.

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 2021-05-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of XXXX Data breach which my information was used to make all of the inquiries that are on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
Earlier this month on about the XXXX of XXXX. My credit card through bank of america closed my account due to changes in my credit. I recently XXXX from the military and havent changed my methods of credit use. I'm not entirely sure why my credit took a major dip when most of my credit payments are always on time. I have low to no credit card debt. I've hardly paid credit card interest EVER. I always make sure to not carry balances. I've had 2 or so loans in my name. I paid one completely off and am left with 1 car payment which I pay on time every month. Why Is my credit taking a dive? It cancelled my credit card in a greater time of difficulty. Not that i need the credit card to survive but it's nice to have the emergency backup. I dont think these dips in my credit are my fault and something needs to be reevaluated. Only the last 3 months showed an extreme change in credit score and I cant do anything about it and dont need it to cancel the one credit card we enjoy using for the benefits. Please give me information pertaining to this XXXX up. I feel as if something I didnt do maybe affecting 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