BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-12-30
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:
On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX RepsXXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account. 
Too many hard inquiries 'lowers ' one credit score.

Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made.

I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I called the the 3 Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-30
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX someone applied to two different credit card companies without my permission. I have contacted each company involved and they stated they will complete an investigation. But it will take some time to remove this information from my credit. I do not want this to be on my credit as I am not the person who authorized these cards. XXXX and XXXX XXXX also know as XXXX XXXX are the two companies who issued the cards.

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 2021-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My PENFED XXXX is paid in full each month. There is AUTOMATIC AUTO PAY that no one has seemed to be able to see or REMOVE that assumes a minimum payment will be paid WHEN IN FACT, the whole amount in full is paid. Based on this, the auto pay prevents me from paying my account off in full by the due date as it states, you have already made a payment. Therefore, I have had to pay my account in full the day before it is due. Thus, making the assumed interest assessed by the AUTO PAY incorrect. Furthermore, PENFED accounting, each month shows inconsistent calculations for the daily rate of XXXX for the loans that have been taken.

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 2017-01-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To never get a respond back from them. i sent a Debt validation letter to this company, Rent Recovery sol, LLC about a debt Im supposely owed them to never get an answer back from, them or XXXX, XXXX, or XXXX. Please sent me an respond back about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Frost-Arnett Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I RECEIVED A BILL IN THE MAIL FROM XXXX XXXX XXXX XXXX XXXX ONE AND A HALF YEARS AFTER THE DATE OF SERVICE. THIS {$130.00} IS A CO-PAYMENT FOR A XXXX PERFORMED IN XXXX OF XXXX!! THEY JUST SENT ME TO COLLECTION EVEN THOUGH I SENT THE MY INSURANCE NUMBERS FOR MY SECONDARY INSURANCE [ XXXX XXXX  ] BACK IN XXXX OF XXXX. I ASSUMED THIS BILL WAS PAID. I SPOKE TO XXXX XXXX  TODAY AND WAS TOLD XXXX XXXX XXXX NEVER SUBMITTED THE CLAIM TO THEM FOR THE CO-PAYMENT. I ALSO RECEIVED A LETTER FROM XXXX STATING THAT MY CREDIT REPORT HAS DECREASED AS A RESULT OF THIS. XXXX ALSO TOLD ME THAT THE CLAIM WAS NOT SUBMITTED " IN A TIMELY MANNER '' AND MOST LIKELY WOULD NOT BE PAID NOW. I WANT THIS BILL EITHER WRITTEN OFF OR PAID BY XXXX XXXX XXXX AND ALSO I WANT THEM TO WRITE A LETTER OF EXPLANATION TO THE CREDIT COMPANIES, XXXX, XXXX XXXX, ETC. I AM A XXXX LIVING ON SOCIAL SECURITY AND CAN NOT AFFORD TO PAY THIS NOW, ESPECIALLY SINCE IT WAS COVERED BY INSURANCE. I AM ALSO NOTIFYING THE AREA ON AGING AND WILL GO TO LEGAL AID ON MONDAY, TO REPORT THEM. FYI : XXXX XXXXXXXX XXXX name was changed to XXXX XXXX and so that is the reason it took them so long to send me out a bill?? This bill was for a XXXX after which I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, resulting from the machine not being set up properly? I should have sued them back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex wife did not pay a bill owed to XXXX XXXX XXXX. 
I have contacted them and they know it is not my bill. And since 2008 this has been on my credit report causing me hard ship and paying higher interest rates. I have asked and they have said they would remove this over XXXX times now. Staurt & lippman collection agency is located in XXXX Arizona, Home OfficeStuart-Lippman & Associates, Inc. 

XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX Toll Free : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX the trouble it has taken me to try and remove a collection account for {$100.00} dollars, that is not even mine. 
this is an out rage. Shame on them for doing this to a person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: ERC
State: IL
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX card was charged {$8000.00} for ( 16 ) {$500.00} gift cards. 
Original purchase was for {$23.00} on a fake web site. 
The individual took my card info a purchased these cards fraudulently. 
XXXXXXXX XXXX has determined I'm at fault for interaction between the individual and myself. 
He pretended to be afraid officer for XXXX and claimed he was reversing the charges, when he was actually purchasing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Other

Complaint:
I HAVE HAD AN ACCOUNT WITH DISCOVER CARD SINCE 2011. I HAVE PAID THEM AS AGREED MONTHLY EVER SINCE. HOWEVER, NOW THEY HAVE DECIDED THAT THEY WILL NOT GRANT ME CREDIT ANY LONGER? I HAVE NOW AN AVAILABLE CREDIT LIMIT OF SOME {$1500.00}. THEY REFUSE TO ALLOW ME TO USE THIS ACCOUNT? I AM VERY ANGRY ABOUT THIS TO SAY THE LEAST!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am writing to dispute the following information that your company provided to all XXXX major credit bureaus : XXXX, and XXXX. I have circled the items I dispute on the attached copies of the credit reports I received. 
The item that I am disputing is the second reporting from your company of my XXXX student loans on my credit bureau. According the Fair Credit Reporting Act, you have a responsibility to report accurate information on my credit bureau, currently it appears that I have a total of XXXX loans with your company with the continued reporting of the XXXX accounts that are closed. I was recently made aware of the effects of your company reporting my student loan 4 times, XXXX sets of XXXX accounts, when I was applying for the FAFSA for my daughter and was denied aid. I contacted the U.S. Department of Education in an attempt to rectify the situation when they informed me of how your company is currently reporting my student loans. They advised me to contact your company and request that the additional accounts be removed. 
I did contact your customer service department and when the representative would not acknowledge the error, I requested to speak with a manager. The manager informed me that your company changed computer systems and that all accounts were reporting double on credit bureaus because there was no other way for your company to capture the delinquency and history of the account. While, I am not disputing the accuracy of the reporting of the account, I do not think that because your company could not manage to transfer the history of your customer accounts during the computer system change, your customers, including me, should be impacted by something that was out of our control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Eagle Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Credit Wise Recovery Solution LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On me XXXX Credit Wise credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as XXXX and Credit Wise to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-12-30
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..

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 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.

Company response to consumer: Closed with explanation