BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
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 XXXX Account this all hard inquieres : - 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I did sent the paid off amount {$14000.00} XX/XX/2022 Casher Check XXXX  Overnight The check was received XX/XX/2022 and cashed the same day. I did called several times and asked where is my title, they never provide the information, After several conversation with customer support, they told the check was cleared XX/XX/2022 with totaly different amout {$13000.00} it was {$300.00} less than was paid. 
I had a several conversation with all different managers but never had explanation, when I can receive my title, According to lease agreement and paid off the NJ XXXX {$850.00} and purchase option fees {$300.00} was included but they ask me to pay more and I paid extra {$200.00} so far is amount {$14000.00} but they still want more and more funds. 
It is already 30 days since the payment was made but title never been send. 
If you need more information please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MI
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:
Since XXXX of XXXX I have yet to received a response from Equifax from ANY investigation. They have continued to violate my rights and stall me out. I have sent multiple letters and multiple disputes and haven't heard back. This is so ridiculous! I am a single mom working hard to buy a home and they don't even have the decency to respond? I GAVE THEM AMPLE TIME. I believe this company should seriously be investigated for consumer violation. They are reporting incorrect information defaming my character and its hurting my life. I am XXXX single mother of a XXXX XXXX XXXX. I am working hard everyday to make sure I have a fighting chance in this world of inflation. All I asked was to be treated like my concerns was considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Under 15 U.S.C 1681b - permissible purposes of consumer reports ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instruction of the consumer to whom it relates. 

I never gave Transunion Consumer Solutions any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent Transunion Consumer Solutions a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another XXXX where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. Transunion Consumer Solutions is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to XXXX it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

There non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.

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 2018-02-13
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
in XXXX we order XXXX service but had to cancel becuase bad service but was still bill XXXX in now in collection ics collection refrence # XXXX and acount # XXXX tel XXXX XXXX XXXX XXXX ic system im not working know im home sick from XXXX and this company is harasing me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please remove all the fraudulent items in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BBVA FINANCIAL CORPORATION
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:
There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX,  XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XX/XX/XXXX,  XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent inquiries listed on my Experian credit report. The police report case number is # : 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 2020-01-04
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Sallie Mae on Thursday, XX/XX/XXXX, I waited almost and hour and half before I spoke to a live agent. After a one minute conversation with an agent I was transferred to a department that was closed and the call was disconnected. I called back on Friday, XX/XX/XXXX and told I was ineligible for forebearance, I had to keep automatic draft in order to remain enrolled in their hardship program. I was informed that if I took forebearance or took away automatic draft to prevent overdrafting my account I would not be able to enroll in the hardship program and my monthly payments would be {$4000.00}. I was informed that since sallie Mae is a private, they do not do income based repayments which is setting people up for failure!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
Sam 's club I owed XXXX $ as of XX/XX/2013 I hired an attorney and I tried multiple times to contact them. I talked to someone at this address and number. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX I offered to pay in full, he said we are not looking for payment on your account. I responded ok thats great will you take it off my report then. He said were not going to do that either. I offered again to pay. He said to write the office, which I did at the address with a complaint that I wanted it removed. I did back in XXXX. Also gave this information to a law firm I hired to try to clear this issue up. XXXX XXXX, XXXX. XXXX. 

I have had no luck resolving the issue. 

This is a copy of an email from XXXX at XXXX law. I couldn't get it to load as an attachment Mr. XXXX, When you mailed the dispute letters that we drafted for you to the credit bureaus what was their response with regards to the Sams Club account?

I finally got through to the right person at Synchrony Bank and they said basically the same thing they said to you, which is that they can't accept any payment on the account and you have to go through the credit bureaus in order to remove it. Do you have the dispute response letters you got back from the credit bureaus after you mailed the letters we drafted for you? I need to see those. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : 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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance :  XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : XXXX, Transunion, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX  : XXXX XXXX, GA XXXX XXXX  : P.O. XXXX XXXX, XXXX, TX XXXX Transunion : P.O. Box XXXX XXXX, PA XXXX XXXX  XXXX Security Freeze P.O. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion TransUnion XXXX XXXX XXXX. XXXX 2000 XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2018 at XXXX XXXX  I spoke with a representative from XXXX regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) 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 2022-06-10
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to XXXX due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX. 

Instantly, I contacted XXXX XXXX, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.

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