BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my 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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am  in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB 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 2019-03-12
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I told Navient I could only pay {$50.00}. I am in school and to defer and they said I had to pay and they would not take the {$50.00}. They refused it every time. I just had a XXXX and they keep calling and the are calling and being rude and childish and playing on my phone and running up my XXXX XXXX. The stated they will not stop and if this continues I will be paying Navient home office a not pleasant visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: LA
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:
Per Equifax, I would have results from my disputes by XX/XX/2021 I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. 

XXXX {$5100.00} XXXX  {$1100.00} XXXX {$1500.00} XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Money was withdrawn from my account in California to the total of XXXX dollars. This has been going on for over a month. I have a police report,signed all affidavits. For over a month all I hear is 5 days , 5 days. They are not being truthful. And very dishonest. Some  guy went into a bank in California and withdrawn my money and then proceeded to withdraw my money electronically 3 more times.i really need my money back Mr. XXXX XXXX  in the XXXX  NY branch hasn't been able to get the money back in my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: LEXISNEXIS
State: FL
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: Public record information inaccurate

Complaint:
We applied for auto insurance with XXXX XXXX. We were rejected and they sent us a letter explaining why and we see it has information that is not correct regarding one of our sons. There are 2 entries stating the same information unknown date, violation suspended license or other serious violation. We were on the phone with lexisnexis, XXXX - ID number XXXX. For over 2 hours. He could not find the violations being reported back to our current insurance or the XXXX. He said he can't fix it because he can't find it in the DMV file or credit report. He can not get us a supervisor manager or anyone. They refuse to fix send false information to agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: PA
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:
Equifax stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to Equifax, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that Equifax and XXXX  has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SUNRISE CREDIT SERVICES, 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: Account information incorrect

Complaint:
I sent in a dispute letter 30 days ago, and still have not received any updates yet.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: MN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2018-03-06
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was on a Discover payment hardship program, which reduced my interest rate to 15 %. 
I was told that if I remove myself from this program, I would be able to get access to 1,000 ( my credit limit for my credit card-my credit card balance. 

I decided to do this and a customer service rep removed me from the program. 
She even told me it would put me on the same terms and conditions as before. Never mentioning that was there no guarantee that I would be able to use the card again. 
She misled me. 
Then once it had been done and asked her how long it would be before I could use my credit card, the truth finally came out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/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 2021-04-29
Company: EQUIFAX, INC.
State: TN
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:
Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible

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 2018-07-16
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: STATE FARM BANK, FSB
State: NC
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:
State Farm Bank reported my car loan as 30 days delinquent when it was not 30 days past due. My payment is due on the XXXX of every month. A payment was made on XX/XX/XXXX. My payment for XXXX was due on XX/XX/XXXX, however the payment was delayed until XX/XX/XXXX. It was 17 days late - not 30. 
I spoke with a customer service representative at State Farm Bank and was told that it should not have been reported as it was not 30 days late. I was told that there was no way for me to contact the credit reporting department within State Farm directly. I disputed the report with State Farm Bank directly, as well as XXXX and XXXX. The creditor continued to report the account as accurate and it now shows as a derogatory mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Resurgent Capital Services L.P.
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:
I requested a substantiation of account of account which they are required to provide within 30 days but they failed to meet the request. 

This summons was never served therefore, the judgement is defective. 

They are also trying to collect wages from a firm that I am not employed with rather a independent contractor and recieve no wages. 
When I called the XXXX to explain, he tried to bully me in and pay anyway eventhough the wage garnishment has no jurisdiction if I am not an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 8 derogatory late remarks having been reported incorrectly. Please remove these negative remarks, I have reached out to the creditor and they were rude and of no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2021-10-07
Company: LEXISNEXIS
State: TN
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 protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account expecting to be paid a {$300.00} bonus for meeting certain requirements ( receiving a minimum of {$4000.00} in direct deposit within the first 90 days ). After meeting the requirements, I called the bank to ask about the bonus. I was told to wait 60 days. Called after 60 days and was told someone would call me back. But never got a call.

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 2019-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I filed an Identity Theft Report with the FTC. As recommended by them, I notified all 3 major CRAs by using the sample letter provided on the FTC 's website. The certified letter to Equifax was mailed out XX/XX/XXXX and was received by Equifax on XX/XX/XXXX. I attached the FTC-report, the letter to Equifax and the certified mail receipt/proof of delivery. 

On XX/XX/XXXX, Equifax responded in a letter ( Confirmation- # : XXXX, attached ), stating that " at this time, they will not block the information subject to the submitted identity theft and/or police report provided as part of the dispute ''. In addition, they stated that they would " contact each creditor directly to verify the accounts/s on my behalf. '' In my opinion, this was already a violation of section 605B of the FCRA since section 605B clearly advises the CRA what to do. Under 605B, a CRA can only deny a request to block information under specific circumstances and if they elect to do so, they have to inform the customer of said reason which Equifax failed to do in this letter. In addition, it does not make much sense to seek information from the original creditors to determine if ID theft occurred. Under 605B, it is the CRA 's job to NOTIFY the creditors of ID-theft, not to initiate a 30 day dispute and rely on information obtained by the creditors because in case of ID-theft, creditors often don't have this information. That's the idea behind 605B. 

On XX/XX/XXXX, Equifax sent another letter ( Confirmation- # : XXXX ), providing me with the results of their investigation. Only a few accounts were removed while others were " confirmed ''. Between now and then, even a " confirmed '' account was deleted by the creditor ( i.e. XXXX XXXX  ) which indicates to me that Equifax failed to investigate properly. 

As of today, the following fraudulent accounts are still not blocked on my Equifax-report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and ALL four ( 4 ) XXXX XXXX XXXX collection-accounts ( see attached list ). 

As I pointed out at the beginning, all 3 major CRAs ( so XXXX   and XXXX as well ) were provided with the same sample-letter and documentation. For your information, I attached a copy of their investigation results. As you can see, they have blocked ALL accounts in question from their reports.

Company response to consumer: Closed with explanation