BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. 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 XXXX  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. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am facing extreme financial hardship in medical problems. I had spoke to one main financial multiple times to try to assist me. Every time I call them I am giving the runaround.. I try to ask for different programs that they might offer that will allow me to reconstruct the loan where it's more affordable for me to pay and lower down the interest rate. Each time I'm not provided the necessary assistance in order to help me. It seems like I've been paying all this time in the payments are not even going anywhere. It seems like nothing 's actually going to principal. When covid hit. I was furloughed for my job. During all those months it was a extremely difficult. Even though I had returned back to work, the company has not been fully operational back to the way it should be. Still I'm not getting the required hours. They had multiple cuts across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was late in the month of XX/XX/XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.

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 2019-09-25
Company: EQUIFAX, INC.
State: NC
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:
TALX Corporation, a wholly owned subsidiary of Equifax Inc. has two separate reports : 1 ) Prove Employment to Verifiers ; and 2 ) Prove Income to Verifiers. This would lead a consumer to believe that one report will verify that you are actively working somewhere and another report will verify your income. There are very good reasons why I would allow someone to view an employment verification report for me and not an income verification report. However, I requested and viewed my employment verification report and all of my salary and income information is in there. Even down to the detail of each pay period and what my gross and take home pay was. This is misleading. If all of that income information is in the Employment Verification Report then the Employment Verification Report is both an Employment AND Income Verification Report. I would not agree to release my employment verification report if I knew that they also had all of my income information in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
i wrote LEXISNEXIS RISK SOLUTIONS INC. on XX/XX/2021 about them reporting and sharing inaccurate and incomplete information on my credit report.I attached a copy below to delete the bankruptcy from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
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 was late in the month of XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.

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 2020-07-31
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is trying to collect a monthly payment. I had the pay in advance account and the account was paid up when I terminated our agreement on the last day before renewal was to happen.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Quality Asset Recovery LLC
State: NJ
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:
This collection agency report me as joint account for medical bill for {$3800.00}, i never sign any papers the person was my wife, she applied for XXXX XXXX at that time cz she was nor working and they appeoved her case We never received any bill at our home adress In XX/XX/XXXX the collection agenct report it as unpaid charges to my credit report, i spoke with them many times they wont understand In XX/XX/XXXX they posted again for the same amount and there was no changes whatsoever I dispute it with XXXX and they said is accurate and the update was made for some changes which not true.this is a medical bill Since XX/XX/XXXX and i was not present or sign any papers to take responsibility, she did everything through charity care and even the bill was too much for emergency room

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : 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 2021-11-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Expetrian dropped my XXXX  credit report, dropping my fios XXXX points, and reporting incorrect % of credit usage and available credit.

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 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: AES/PHEAA
State: TN
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:
To wit loan service provider ( s ) ( XXXX, XXXX, XXXX XXXX ) consolidated Direct Student Loans and informed borrower/consumer of loans being transferred when in fact loan service provider ( s ) actually consolidated loans without permission of borrower/consumer. 
Grievous actions of loan service providers have forfeited qualifying payments towards the Public Service Loan Forgiveness and the Temporary Expanded Public Service Loan Forgiveness program due to loan consolidation request allegedly made by this borrower/consumer less than 10 years ago.

I have attempted to resolve matter in reviewing Master Promissory Notes provided by loan service provider. None of the Master Promissory Notes provided has language of loan consolidation request. 
I provided documentation to loan service provider supporting payment on XX/XX/XXXX to support student loans have been in repayment longer than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is reporting Chapter XXXX Bankruptcy I NEVER filed. I repeatedly complained about it for over 6 months, but it's still there. I believe they are NOT doing any ACCURATE data verification. 

I had to go to an attorney and pay him to search PACER database to get attached report. 

I have never, ever filed any bankruptcy in my life. 

Please help me. I'm attaching my SS card so you can see my SSN on the Pacer report. 

This has negatively impacted my credit so much that I'm not able to get the credit I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian requested via email I update my method of payment and listed a XXXX  card 's last four number which I didn't recognize. I called into customer service to verify tls certificate info to verify sender. After finally making it through their automated phone service I escalated the call, due to being afraid of fraudulent activity, regarding my method of payment being incorrect. At this point I requested to remove my method of payment and to change my account status to basic ( free ). 

Today I received the same email stating they were trying to charge me for a basic account on the same unknown credit card number. I called in and had account deactivated because I know longer have faith in Experian 's service. This was successful, however I was told in order to remove my personal information I would have to physically mail sensitive information to their Texas address. I am not willing to do so. Please help my remove my information from Experian 's databases because I no longer felt confident in their ability to manage sensitive information. 

Experian supervisor Agent ID : XXXX XXXX Claim number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I filled out an application online and I thought it was a bank. I applied for a loan. This company was a lead company and shopped my credit to several different banks/lenders. I have since received numerous emails about being denied credit. I just emailed their contact email to stop but have not received a response. I want them to stop giving out my information immediately and delete me from their database. Please help me get this resolved. 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 explanation
Consumer complaint received 2019-05-02
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX Me and my wife had a chapter XXXX Discharge due to completion. In XXXX of XXXX I noticed our bankruptcy trustee was paying a creditor that originally was omitted back at the start of the bankruptcy in XX/XX/XXXX. In XXXX I told my lawyer about this and they said it was to late to do anything about it. So at post discharge I wrote a letter to the company and then another without a reply. I asked them to return the payments that were made by the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I used my online account at chase.com to send a payment via Chase QuickPay/XXXX, and Chase capriciously decided not to authorize the payment and then called me three times for " fraud protection. '' Two representatives claimed they would authorize the payment. Instead Chase blocked my access to my account and demanded that I go to a branch to authenticate myself. The nearest branch is 12 miles away, and I should not have to travel 24 miles round trip to be able to access an account I opened online when I lived in another state. I haven't been to a Chase branch in many years. I demanded Chase close my account and send a check for the balance to my address on my file, and Chase refused! How can Chase refuse to send me my money to my address on my file? How can a bank demand I travel 24 miles to access my account? Blocking access to a consumer 's funds for NO LEGITIMATE reason is outrageous. How can Chase hold my money hostage for no legitimate reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: AL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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 2021-02-27
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My NC FINANCIAL account is reporting erroneously with XXXX and XXXX as a Collection Account. This account was paid in full with their internal collection, XXXX XXXX XXXX and I have the letter that states so. I contacted NC Financial at the beginning of XXXX to settle the debt, I was then informed by a NC Financial customer agent that my account was sold to their internal collection agency XXXX XXXX XXXX. After numerous attempts to contact them via phone, email and XXXX complaint to gain a response, I was able to speak to an representative on XXXX XXXX and their agent informed that my account was placed with XXXX XXXX XXXX. I was then able to contact XXXX XXXXXXXX XXXX to settle the debt, however, after sending my " paid in full '' letter as instructed in the letter to all the credit bureaus to update the status of the as paid. The credit bureaus are stating after the investigation that the account is unpaid and collection status because the NC FINANCIAL is sole listing on the credit report and not their internal collection company XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and XXXX XXXX that it was not their obligation to notify credit bureaus, but NC FINANCIAL. Which I have detailed complaints from the XXXX and CFPB I demand the account is deleted for the erroneous information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home

Company response to consumer: Closed with explanation