BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
XXXX  XXXX. Reported : XXXX. Balance : {$2800.00} 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 authorization.

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 2015-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
it has been more that 10 years since I had a account with XXXX. she not be on my account not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX and XXXX are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.

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 2017-07-19
Company: EQUIFAX, INC.
State: KY
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:
XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Their investigation did not fix an error on your report

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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 2022-02-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted a false and deceptive form ( APPLICATION NUMBER : XXXX ) in order to extend my credit to Navy Federal Credit Union and was denied my rights. Navy federal used my credit card and I didn't receive any benefit which is an unauthorized use according to the Truth in Lending Act. This act constitutes a criminal and civil liability. Navy federal sent a denial letter stating factors which led to a denial and they should know that those factors ARE NOT DECIDING FACTORS. You can not deny me of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I took a trip to XXXX XXXX and booked a hotel only they never had a room for me. I received nothing so I'm asking for the charge to be reversed back to me. 

XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX - {$120.00} These charges I've discovered now and I have no knowledge of these cahrges being made by me because I've never heard of these places : XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX {$51.00} XX/XX/2022 XXXX XXXX, XXXX, XXXX - {$520.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX - {$69.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$160.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - {$100.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$210.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$50.00} XX/XX/2022 XXXX XXXX, XXXX- {$40.00} XX/XX/2022 XXXX XXXX, XXXX {$23.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX {$200.00} I ask for all these charges to be reversed back into my account as I did not receive anything from any of them. My card number must have been stolen and used. I feel so much of my money has been stolen. 

Thank you, 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 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Other fee

Complaint:
In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2021 I notified credit bureaus seeking verification on 3 bankruptcys that has been reported. XX/XX/2021 credit report stated that the verification was verified from bankruptcy court. I went to Bankructy court in person inquiring on court reporting to credit bureaus pertaining to bankruptcy. Court gave me letter stating that the court doesnt not report any information pertaining to my case. XX/XX/XXXX, I sent the credit bureaus a copy of the letter that I received from bankruptcy court stating that the credit reports was untruthful and I asked the bureau to remove inquiries, however they did not. # 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 2021-01-20
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
On XX/XX/XXXX of 2020, I settled my credit card with TD Bank. I received a letter confirming my settlement and the amount of settlement was {$3100.00} to be paid in 3 equal payments of {$1000.00} with first payment due by XX/XX/XXXX, 2nd payment due by XX/XX/XXXX and 3rd payment due by XX/XX/XXXX. All three payments were made as agreed by the due date. As per office of admin recovery call I received today, TD decided to go ahead and sell the remaining balance to a collector and charge it off. Attached are the settlement letter and proof of 3 timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX XXXX XXXX/ ACCT : XXXX/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/ 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 explanation
Consumer complaint received 2019-11-13
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive been trying to arrange a payment plan but that dont want, that want the payment in full And want this removed from my credit, right Im out of work because Im XXXX and I cant pay the all amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Community Health Investment Company, LLC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.

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 2016-10-26
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been paying back my student loan since XX/XX/XXXX. I was late for XXXX payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. 
It was originally a {$44000.00} loan and by the end of the loan I will have paid roughly {$100000.00}. Seems a bit unfair to help a student get an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: General Motors Financial Company, Inc.
State: AR
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:
I applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I borrowed money from XXXX XXXX XXXX, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that XXXX XXXX XXXX had turn my account over to National Credit Adjusters. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. National Credit Adjusters refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Bread Financial Holdings, 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:
XX/XX/XXXX I received a email from XXXX  stating that my Victoria 's secret card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called Victoria 's secret to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with Victoria 's secret and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from Victoria 's secret neither the consumer finance government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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:
FCRA section 605B is very cleaner on how a CRA is supposed to act. 
Chex systems very specifically is breaking the law, on how identity theft reports are supposed to be formatted. The FTC has a specific form for identity theft that is compiled on identity theft laws. 
Chex systems feels they can add new items that the identity theft forms must contain, ie. signed manually and not electronically. 
I specifically went to the XXXX County sheriff 's department and their clerk certified, notarized and signed the police report that I had gotten from the FTC. This did not suffice and so I sent in the signature of the woman that is the head of the identity theft unit. This still did not suffice. Me the victim has to do more work because they rewrite Congress 's laws illegally and then I have to perform more duties.

I now had the senior deputy of the sheriff 's department of XXXX County and he signed it and put his badge number and his phone number on my police report and I am including that in this filing. Check systems needs to be stopped because they are making the victum more of a victim because of their unlawful and the illegal changing of the law and their policies. They have to have their policies comply with the law not change the law.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2021 I notified credit bureaus seeking verification on 3 bankruptcys that has been reported. XX/XX/2021 credit report stated that the verification was verified from bankruptcy court. I went to Bankructy court in person inquiring on court reporting to credit bureaus pertaining to bankruptcy. Court gave me letter stating that the court doesnt not report any information pertaining to my case. XX/XX/XXXX, I sent the credit bureaus a copy of the letter that I received from bankruptcy court stating that the credit reports was untruthful and I asked the bureau to remove inquiries, however they did not. # 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