BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am submitting a complaint because I was given inaccurate information to dispute a claim by Equifax in regards to an unauthorized inquiry by XXXX on my Equifax credit report. 

On XX/XX/XXXX, I submitted a dispute within Equifax to have a hard inquiry removed from my credit report. The hard inquiry was made on XX/XX/XXXX by XXXX without permissible purpose. 

I have contacted XXXX several times via phone and XXXX XXXX and was given varying information as to what I should do to have it removed. The last associate I spoke to said I must take it up with Equifax. 

I submitted a dispute on XX/XX/XXXX and then a few days later I received word my dispute was denied. I was informed by Equifax that I must speak with XXXX to have the hard inquiry removed. I knew phoning them and or dealing with an agent would get me nowhere, so I decided to write to them so they have written documentation of my request. 

I was given this address by Equifax : XXXX - XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, DE XXXX ( I attached below the letter from Equifax for your reference ) So, I sent a certified letter to XXXX on XX/XX/XXXX. I paid {$3.00} for the certified letter and waited over two weeks to find out the address for XXXX was " not deliverable as addressed ''. 

( I added a picture of the envelope and a copy of the letter to XXXX below for your reference as well ) I feel Equifax gave me inaccurate information and I am now being tossed back and forth between the two companies. I want a solution to my problem and I don't see how it is going to be resolved if one company is pushing me to the other and inaccurate information is keeping me from accomplishing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chase Bank has frozen two of our business accounts ( for 2 separate businesses ) with no explanation. They froze the first about 2 weeks ago. We logged in to the account to pay bills and found our account negative {$280000.00}. We spent hours on the phone with about 8 departments, no one could figure out what happened. They finally transferred him to the " executive department ". They didn't know what happened but said they'd look into it. We called them day, they kept saying they didn't have any information. Then, this past Friday  XX/XX/XXXX, they did the exact same thing to our other business account. Again the exec department said they didn't have any information. Our attorney called them and was told that Chase is within their rights to do an investigation and we would just have to wait. These are business accounts. We can't pay our employees. We have operating costs we can't pay. They've put us out of business! We are
going to have to file for bankruptcy because of yhe position they've put us in.

This has all happened with no notice. We have no idea what's going on. Shouldn't a bank have to give you some sort of notification that your funds are being held? And for what period of time? And if there's an " investigation '', why haven't they asked us for documentation that could resolve the issue? They've just left us hanging with no end in sight.

( I have no documents to upload because they haven't sent us anthing )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX,XXXX XXXX XXXX XXXX XXXX , OH  XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH 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 2020-05-18
Company: Alorica Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This is affiliated to complaint ID : XXXX In the letter received via the CFPB and XXXX XXXX, Escalated Complaint Specialist, it says my statement types were " The statement type was changed from None to Paper on XX/XX/2020, which would have started the paper statements on XX/XX/2020. However, because the system is down, it can not currently generate the paper statements. It is currently being fixed but we do not have an estimated time for its reinstatement. Attached is a copy of your payment history while being serviced by SST. '' I was told by SST that they could send me a statement via mail, but as they indicate their system is down ... so its been down for over 3 months now? 

They also failed to answer my question which was why can't we get access to our statements online? It seemed to me that SST doesn't have a mechanism in place to provide XXXX customers with a statement online through my account web portal. Whenever I click on statements, its always said since account inception, that my account doesn't have the ability to provision account statements online. This is why I called SST in XX/XX/2020 to tell them about this issue and ask why this was the case. This should be fixed as this is not normal market practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.

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 2019-08-15
Company: EQUIFAX, INC.
State: UT
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 complaint about erroneous collections on my reports causing my credit scores to go down. These erroneous entries were removed yet my score dropped 11 more points. All Of the changes on my report showed decrease in balances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
ftc vilations In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc vilations In its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019

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 2018-02-26
Company: DLC, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Back in XX/XX/2019 it was a computer glitch in the system and it had me being 30 days late in which im current now as you can see and has been paying my bills on time every since i would like for them to remove the late payment and they dont want to do it so i need you all helps

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 complaint about my credit report having erroneous collections on them. The collections were removed but my credit score was LOWERED 20 points. No negative entries only decreases in balances

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 2021-11-28
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:
On XX/XX/2021 I sent a Debt Verification letter to XXXX XXXX # XXXX and i did not receive any correspondence withn the time frame intended. since then i have been disputing this account for 6-7 months. I have not gotten a investigation on my acccount this is truly affecting my credit and my ableness to get credit. Transunion continues to report this misleading information. I have been violated of my consumer rights with transuion refusing to do a investigation. I will be listing out the laws were violated. 

15 usc 1692c ( c ) ( XXXX ) ( XXXX ) ( XXXX ) 15 usc 1692j 15 usc 1681i ( A ) ( XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
I contacted the Credit Bureaus XXXXXXXX and Experian regarding a closed XXXX XXXX XXXX XXXX and Student loan account that contained derogatory informaiont that was affecting my credit score substantially and requested them remove the account because of the inaccurate information. They did not remove the information and had more than 30 days to comply. Then i sent them a follow up letter of a demand to comply with no result. These accounts need to be removed under FCRA.

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 2020-05-18
Company: EQUIFAX, 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:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as XXXX continue to report a bankruptcy in my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
They are reporting wrong address and name

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 2018-02-26
Company: MRS BPO, LLC
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: Account status incorrect

Complaint:
My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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 disputed erroneous and damaging information being reported on my Credit Report with the CRA 's and they did not legally and in its full entirety investigate my disputes. I am demanding that a complaint be filed against these companies for willfully not following the law according to the FCRA act.

Company response to consumer: Closed with explanation