BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: SC
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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Vantage Sourcing, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have requested itemized bill regarding XXXX charges several times. I have NOT received itemized bill and Vantage Sourcing continues to call me DAILY. They claim that I continue to hang up on them and that I have never requested itemized bill which, is completely untrue. And, ironically they say that all calls are recorded and monitored but seemingly they can not go back and review to confirm that I have requested itemized bill and to not be called any more.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Yes- my Auto Loan Payment with USAA Federal Savings Bank is supposed to be taken out of my checking account on the XXXX of every month. Until today this was about the only thing with USAA that was working correctly. Additionally I added my mother 's name to my accounts, and service representative I spoke about with my auto loan could not yet again tell me how to do this simple action. I sent them a letter signed by my mother on XXXX XXXX XXXX and no action, or even acknowledgement of receipt occurred. Also they simply did not call my mother if, as agent today stated, they had verification issues. Finally, I spoke about a week ago with the XXXX XXXX XXXX about getting my mother off my accounts, and the gentlemen I spoke with could not even keep up, as had to repeat myself several times, nor tell me how to do this, and was supposed to get back with mee but never did. USAA was open today, but the XXXX XXXX XXXX was off for labor day weekend. Finally, my home mortgage payment was supposed to be taken out yesterday on XXXX XXXX XXXX, but was not- when will it be taken out now XXXX XXXX XXXX? 4-days late? How is one supposed to manage finances with this type of service? Finally, USAA supposed to be a XXXX Bank XXXX service member worldwide in all time zones and not even open XXXX XXXX a week- so how do XXXX service members, especially in XXXX communicate now? Finally today they could not get the XXXX time text code to come through to me after 3-tries!!!! Is all this acceptable????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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: Account status incorrect

Complaint:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Early Warning Services, LLC
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:
I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For over 10 years, I've worked as a XXXX in XXXX and for the XXXX XXXX. I have dedicated my XXXX career to XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I've been diligent about making my student loan payments in a timely manner and following all of the Public Service Loan Forgiveness ( PSLF ) rules and procedures. I've spent endless hours on the phone with lenders and servicers trying to fix their mistakes. 

In XX/XX/2020, I was notified by Fed Loan Servicing that I had made 120 qualifying payments and could apply for forgiveness, which I did immediately. My application has been pending for over six weeks. So, I called Fed Loan Servicing today. I was told that the process could take up to six months, and only then will my application be forwarded to the U.S. Department of Education for the second step. The process is painfully slow. 

There is no good reason that the confirmation of eligible payments should take so long. Fed Loan Servicing has been verifying my employment and payments all along, and notified me that I was eligible. The company is obstructing public servants from taking advantage of the PSLF program. Meanwhile, financial records, including credit reports, show that I have a huge amount of educational debt. Additionally, I must continue to endure the stress and anxiety associated with having no faith in the system working properly or fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Checkr, Inc
State: TX
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 is incorrect

Complaint:
XXXX has falsely and unlawfully placed a " Consider '' remark on my report. I have sent documents to XXXX to support my claim yet the company refuses to update my report. I have attached documents to this claim along with XXXX 's Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been having problems with XXXX. I had taken this loan out originally on a different percentage rate than stated previously on phone. I dont even know if I signed originally to begin with. Well first problem started XX/XX/XXXX they lost a previous payment and repossessed my car a day before loan was even due. Made me pay XXXX to get my car back. While car was impounded my tags, XXXX parking plaque was taken along with all registration papers and service invoices. Also my fuse box was damaged because they basically stole vehicle never report it to sheriff department either. Plus personal belongings were removed and they tried selling them back to me when I picked up car. So naturally Im refinancing car to begin with and then they stake other company from payoff to create another repo file. So they call demanded XXXX on text to give me more time. Problem is that they are the only one holding up payment from other bank. Then theyve played games and told me other company didnt pick up loan when Ive already have approved documents that it was. Threatening me only to then become silent no calls telling me anything. So Im thinking that its done. Then on XX/XX/XXXX a white XXXX pulled into the driveway booms my car from inside my garage and my neighbor is witnessing everything. He apparently asked him what he was doing and driver proceeded and backs out with car and ran over my neighbor in process and leaves. I call XXXX and cops tell me that XXXX was reasponsible for the repo and Im gon na need to get ahold of them. XX/XX/XXXX I received a modified loan and they wanted XXXX from me and my interest rates dropped because I earned it a better deal than before. I then asked for my car they act like they dont know what Im talking about sending me a picture of car down the street from XX/XX/XXXX and that I was spotted with my own car and they didnt have anything to do disappearance of car and that I better call cops. They dont know anything about it and in email once again demand for payment and I Better make sure it is made before car is Really repossessed!! I dont know what to do but not sure if Im gon na pay for anything at this point and time cause my car is still missing! This is extortion and Ive made them aware that many laws have been broken here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: NJ
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 regards to account XXXXXXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I

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 2017-09-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these same 2 accounts for the last year or so with all 3 bureaus. My file had a address i have never resided at, it took them 3 years to finally report my actual address. Even though i told experian to update it. I 'll be turning XXXX soon ..and the XXXX XXXX accounts were opened in XX/XX/XXXX meaning i was under the age of XXXX when they were opened. But experian claims im older than im stating so I 've provided them with my birth certificate several times. I 've uploaded my parents lease and provided proof of my address from XX/XX/XXXX-XX/XX/XXXX which has been the same. So how can i live at 2 address?? I know it is illegal to contain false and inaccurate information on a credit report. I have gotten a attorney involved, i gave XXXX XXXX XXXX permission to access my reports. As far as my attorney is stating, Experian is violating several laws. Therefore i am tired of disputing these frivolous accounts. So after XX/XX/XXXX. I will have my attorney dealing with this matter from there on out. So please show me validity of these accounts..such as contracts and or agreements bearing my signature proving they in fact belong to 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 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and TransUnion 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help 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 2022-07-18
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: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$250.00}

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 2022-07-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Experian Information Solutions 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:
Collection account number XXXX XXXX XXXX XXXX XXXX XXXX reporting on Experian report number XXXX No knowledge of account.

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 2022-07-18
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Citi credit card had a balance transfer I call the credit card company to file a fraud dispute they say is nothing I can do because it was sent to XXXX  XXXX account, I explain to them I don't have XXXX  XXXX bank account checking or saving personal account

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 monetary relief
Consumer complaint received 2017-10-17
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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 XXXX XXXX XXXX Account number : 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 2019-08-02
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like for this to be removed off my credit ; as they are unable to provide details that I sign stating I would be responsible for any balance that's unpaid by insurance ; this doctor office accept Medicaid patient and should've billed Medicaid for any unpaid balance. they can not provide any sign details that I sign stating they can put this on my credit. The calls are getting very aggravating and disrespectful. This is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
My name is XXXX XXXX, a federally protected consumer, and I AM MAKING THIS COMPLAINT AGAINST CHEXSYSTEMS for furnishing inaccurate information to my consumer report. It is imperative that ChexSystems always has the most accurate information in my credit file at all times. By furnishing these inaccuracies, ChexSystems is in direct violation of 15 USC 1681b ( a ) ( 2 ) because ChexSystems has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX. Please delete the following inquiries as well, since no consent is identity theft. I never gave any of these companies or Chex Systems permission to furnish these fraudulent inquiries. I DID NOT AUTHORIZE, BENEFIT FROM, NOR CONSENT TO THE FOLLOWING INQUIRIES : 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

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