BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am am a victom of Identity theft. I have submitted a police report, an FTC affidavit, supporting identification docs, and letters disputing these fraudulent accts and collections and submitted to the credit bureaus. I sent these documents out XX/XX/XXXX. They have by law, 30 days, 45 max to reply me with evidence that these are mine with proof from the disputed lender or they must remove the fraudulent items. It is now XX/XX/XXXX, I called today to follow up. I spoke with 2 supervisors. They informed me the disputed acct was still reporting on Equifax due to that the lender told them it was mine. I told themXXXX and XXXX have already removed it. The replied that the lendor said it was mine. I asked, '' Did the lender provide you proof it was mine? Have you done your legal duty of supplying me proof it was mine? '' the supervisor said, " No they have not provided proof. I am not able to remove it at this time. I informed her that the law requires you to remove it after 30 days if the lender can not provide proof and if they do, you are to provide proof to me. Neither of these has been done so you must remove it. '' She said she could not at this time. This is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and TransUnion. 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 2017-10-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXXXXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: MD
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: Didn't receive services that were advertised

Complaint:
When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was able to create an account with TransUnion but they say they weren't able to confirm my identity and provide no options to rectify the situation. The only customer service channels offered are XXXX XXXX and XXXX and I don't use either. I'm trying to place a credit freeze because my SSN was leaked. They are required to provide this service and I shouldn't have to create accounts with third parties to have it done. I have frozen with the other agencies with no issues.

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 2016-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found a XXXX XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX or take my adult son there in XXXX or XXXX or any other time. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Experian and XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.

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 2021-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. 

On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. 
This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ).

Along with exhibits, documentation, Identification, and laws showing how and when I was violated.

Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction.

All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if ALL my demands are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: General Motors Financial Company, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I added a boost to my cash card for {$30.00} off a purchase of {$30.00} or more anywhere. I contacted cash app to make sure my {$30.00} purchase would qualify many days before the boost was set to expire. I communicated with them that I did not see any information about minimum purchase requirements when clicking on the boost. I asked them, specifically, on multiple occasions whether or not my purchase would be eligible and they would not give me a straight answer. Not until after my boost expired. Then they finally said that the purchase needed to be {$30.00} or more. I wrote in several times asking for this information and they withheld it from me until after my boost expired. I even suggested to them that I felt they were going to wait until after my boost expired then tell me my purchase didn't qualify for one reason or another. I suggested this BEFORE my boost expired. They proceeded to do exactly what I said they would. I don't know what I could've done differently. I made an effort and contacted them several times only to be met with copy/pasted nonsense that didn't pertain to my situation or answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.

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 2020-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Deceased old owner of wellsfargo and company, and XXXX XXXX XXXX  .owner of both businesses, old owner of these two huge businesses is XXXX XXXX . XXXX XXXX XXXX, aka XXXX XXXX  and XXXX XXXX XXXX, has made me beneficiary or spendthrift too his ownership of these businesses and his businesses account. His personal manager and public management, or trustee or trust attorney or trust deed agent of the business administration ether is not going too give me a copy of his last will testament, or operational agreement too the  businesses, they are make me lose my property buy not give me financial report too what i own. They are abandoning my property, by abuse it and not pay taxes .they are refuse too give me all legal papers i need too proceed as the new owner of XXXX XXXX XXXX . I need fo wellsfargo too give me deceased owner of said businesses name in this text, all the contact information such as trust attorney and and agent, and trustee, all they information, and a copy of testimony will or a deed of trust blind trust. I need a copy of all of this so i can no what i can do and not. And also XXXX  too what yall all doing with my money. .trust address on file..XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX . I dont no what on this address XXXX XXXX XXXX XXXX XXXX  ga XXXX .so yall a have too ckeck all this stuff and give me a understand on it in write. The trust spill out release dates of the age XXXX and XXXX and XXXX., 2 of the ages are gone. And havent seen nothing yet. U see why i need a copy of the paper now.. yall make me lose my property and put me in debt. I mite need too file bankruptcy, XXXX XXXX XXXX XXXX  ga XXXX. All the address and names in this text is own and co own by XXXX XXXX, deceased. Do the trustee or management has my contact information, if yall refuse too give me all of this information a police and will arrest all of yall and sue yall too .fo abuse me as beneficiary and the public, too. XXXX XXXX XXXX XXXX ga XXXX. Please talk too me by email fo a better response. Or call .this is the 3rd complaint.

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 2021-08-15
Company: Colony Brands, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted by Monroe and Main by mail in XXXX or XXXX about an amount owed. I contacted the company and explained I have never purchased or had any transactions with the company. They continued sending mail stating that the amount needs to be paid or debt collectors will be sent along with my credit score dropping. Monroe and Main also started harassing my Mother with phone calls about the debt. My mother and I put in complaints to the company along with XXXX and State agencies. She stopped receiving calls in XXXX and we thought it had been resolved until recently I found out my credit score is very low due to Monroe and Main submitting and falsifying that I owe them payment. I don't have the records but will continue to file complaints as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
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:
Wrong information given for the reason of the credit score from Equifax.Issued me XXXX based on two wrong reasons, too few accts currently paid, andtoo many accts with balances on XX/XX/2021, and another came today XX/XX/2021 with a score of XXXX.Isent the first letter back to their address, and nothing was resolved.I have a credit score of XXXX, as of XX/XX/2021 wit XXXX XXXX.This needs to be resolved as it affects my borrowing power for a lower interest rate.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan with Drive Time in XX/XX/XXXX till XX/XX/XXXX, was charges 25 % rate, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Drive Time claimed it was a mistake and they would fix it. Mean time they gave me a letter showing my perfect payment history. XX/XX/XXXX I found out Drive time still did not report my history , Drive time tells they are not going to report it because I had filed Ch XXXX prior to getting the loan. This makes no sense, since the only reason I got the loan and paid 25 % is to build my credit. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My deceased mother established this account l have attempted to dispute this account several times. The company will not give me any information because its in my mothers name. Im trying to but my just home and this item is hindering my progress.

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