BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have filed numerous letters to Equifax in regards to inaccurate data located on my credit file and completely false personal information. 
I have alerted them that i wish that the personal information be updated to reflect my legal name and address and remove " assumed names '' that i have not and do not use. 
I have requested that the do a proper investigation into items listed on the report that do not belong to me, to date i have sent 7 letters and roughly 30 emails all of which i have not received a response. 
i am also unable to file a dispute online as it states " It looks like we need more information to confirm your identity. We appreciate your understanding since security is our number one priority. Our consumer care team can assist you with that. Please call us at XXXX between XXXX XXXX   until XXXXXXXX XXXX EST, seven days a week so we can help. '' however i have even entered the inaccurate information contained in the report that i just purchased from equifax. 
It appears that they are providing this message in hopes that you will pay for the report as the " Get Started '' button just under that text redirects you to the purchase credit monitoring site. 

Equifax has failed on all of these occasions to abide by the FDCRA and FCRA and the FACT Act and they are doing this with intent to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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 requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2018-04-24
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is from XXXX I closed the acct due to a move In XXXX I called them to return the equipment. They sent me a XXXX label I returned the equipment via the XXXX store on XXXX XXXX in XXXX I've tried to contact XXXX cable company several times over the last couple of years about the amount they are reporting on my credit reports The amount is incorrect and all equipment was returned via XXXX in XXXX. They still have not changed the amount owed {$1300.00} which is causing an issue on my credit reporting. I've even disputed with the credit reporting agency with no assistants. I should only be charged for one month of service with XXXX. 

I've contacted XXXX several times for them to notify me that my account is un-locatable or they can not pull the XXXX information or as recent as yesterday I'm not in there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: First Southwestern Financial Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used XXXX XXXX XXXX on XX/XX/XXXX the vehicle seemed like it was driving weird on the highway I took the vehicle to XXXX XXXX XX/XX/XXXX had an inspection done they told me the transmission and rear differential was badly damaged and was failing I called the finance company whom was XXXX XXXX at the time and also took the vehicle to the dealership I requested my money back and for them to take the vehicle they refused and said they would repair it they never repaired it in XX/XX/XXXX the vehicle broke down I called the finance company in XX/XX/XXXX and they sold the contract to XXXX XXXX XXXX XXXX XXXX XXXX whom took over collections, etc paragraph XXXX of the purchase agreement states that if there is a window warranty agreement it voids anything else in the agreement I also sent a letter to rescind and a cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX they continue to report this voided agreement on my credit report which is fraud they never upheld the agreement so we have no contact with each other they need remove this fraudulent information off my credit report because I do not owe them and pay me all money ever paid on this voided agreement I will attach all evidence on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: FIRST ADVANTAGE CORPORATION
State: IN
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 belongs to someone else

Complaint:
My name is XXXX XXXX I got a background check preformed by a company named first advantage. The check was preformed on behalf of XXXX. I was told I have a XXXX  conviction in XXXX this information is false and has cost me several jobs. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
From XXXX XXXX : I have dispute with XXXX XXXX XXXX. I bought a vehicle and the loan was from XXXX. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
There was some incorrect information on our credit report. I filed a dispute with Experian, and received an email that the dispute was resolved. I went to their Web site, and when I tried to get a new copy of my credit report/score, they want to " upgrade '' my membership and charge me {$1.00} to see my new report/score. 

I called the phone number provided, but was unable to get through their VRU to talk to a person.

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 2019-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has failed to remove all of the false reports about that I owe any more money to this student loan. I have forwarded them documents signed by the Federal Student loan  representative stating that the loan is paid in full on XX/XX/XXXX. These documents are certified and sworn to in federal court. It is crystal clear. 

My attorney and myself have reminded and resent this documentation several times to the student loan people. They refuse to acknowledge it and are breaking the law by continuing to pursue me. XXXX is now an accomplice in harrassing me now that they have seen the clear evidence that I do not owe this money. I will attatch my documents that clearly state this loan is paid in full. 

They are just now sending me to colletions despite the fact that this has been going on since XX/XX/XXXX. I have always disputed this debt vigorously, and they will leave me alone for a while, but they just keep coming back. It is now XX/XX/XXXX and I am still disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I contacted Experian due to be charged {$19.00} for credit monitoring that I canceled on XX/XX/2020. The customer service representative canceled the paid subscription and said that she was refunding me the {$19.00} for the service and that I would receive an email confirmation of both the service cancellation and the refund. She also stated that it would take 3-5 business days for the refund to show into my account. That time has come and the refund is still not in my account. My bank doesn't hold deposits of any kind so it's not my bank that is holding things up. I've tried several times to call Experian and speak to someone live but their automated system wouldn't allow any transfer to speak to a person. There is no other expedited way to speak to someone at this Credit Reporting 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 2022-04-06
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is fraud going on with my chime account. I had XXXX XXXX dollars transferred to my savings on XX/XX/XXXX, which was taken RECENTLY from my savings, and the transactions showing the transfer have completely vanished. There seems to be no trace of where it went at all. the account seems to be tampered with to make it seem like my money was NEVER in my savings, only checking 's. I have not spent {$XXXX}. Also there is disputes that have been opened an closed that I did not authorize. i will have to contact an attorney and report chime to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX/XXXX acct was opened on XXXX XXXX and was closed onXX/XX/XXXX. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX , XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX , XXXX, XXXX XXXX, XXXX, and XXXX Companies ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. 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 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2018 I went into the Bank of America Branch at XXXX XXXX XXXX XXXX at approximately XXXX XXXX. I was able to make my credit card payment, but they declined to assist me in sending a wire transfer. I spoke to the Assistant Manager who assisted me on making the credit card payment, then asked to speak to the Manager to get this completed. His complete reasoning was more or less lack of scheduling management on his end. There were multiple employees sitting in the lobby and 2 employees assisting myself. I surely wanted to complain about the Manager XXXX XXXX for declining to assist me with money that I was going to send to my real estate agent so I can purchase a property in TN. Hopefully this does not cause me to default on my loan contract with my mortgage lender. At this point, I will have to consult legal counsel and weigh my options with them. For you to review this, the transaction ID for my Credit Card payment was XXXX XXXX - XXXX  XXXX XXXX  ** XXXX. Payment was for {$100.00}, transaction time was XXXX XXXX PST.

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 2021-02-25
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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, EXPERIAN, XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX XXXX XXXX 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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian credit reporting agency 's shows XXXX fraudulent inquires AND ONE FRAUDULENT ACCOUNT, please remove all fraudulent inquiries AND ACCOUNT listed below XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account 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 explanation
Consumer complaint received 2021-03-26
Company: FinCo Services Inc DBA Current
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021. I reveived my third stimulus payment in the amount of {$4200.00} to my bank account with XXXX XXXX XXXX. Within 2 hours there were two unauthorized transactions on my account in the amount of {$2000.00} per transaction totaling {$4000.00}. It was sent through the banks service called Current Pay, which is a peer to peer money sending service. I have banked with Current for 2 years and have never known this service existed nor have lever utilized this service. I never received a notification, email, or even a flag asking if these transactions were authorized. I saw that somehow contact was added to my Current Pay service in the name of " XXXX '' ( XXXX XXXX ). I have no idea who this person is or how they were added to my contacts or were able to access my account and send themselves the {$4.00}. I immediately contacted Current through chat because their phones are not on now to dispute the charges and was pretty much called a liar, and told they refuse to dispute. I've since contacted them 5 additional times and they repeatedly accuse me of having knowledge of these transactions and continue to refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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 status incorrect

Complaint:
I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.

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 2021-02-25
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: Account status incorrect

Complaint:
I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

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