BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: CT
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!

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 2022-06-11
Company: EQUIFAX, INC.
State: GA
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:
I am disturbed that the Credit Reporting Agencies, EQUIFAX, XXXX, and XXXX continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : XXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXXXXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. 

Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. 

They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. 

Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. 

Please, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: NY
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 to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error.This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have my permission to furnish a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: NJ
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 received a call from XXXX XXXX XXXX and told that i could lease a car i had shown i terest in with {$2500.00} down and $ XXXX monthly for three years. When I came into the dealership they confirmed the price and ran my credit even had me call my insurance co. Later on they brought out a contract with higher prices than promised. If they would have told me the real price instead of luring me in with false information I would have never been at the dealership or have permitted them to run my credit. 
XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: AL
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 filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( XXXX, Experian and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from XXXX. XXXX sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from XXXX stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.

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 2019-07-27
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was done by my family who works at XXXX owned by XXXX XXXX. They added lines to my account t and left me hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Bread Financial Holdings, Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Paypal credit made a hard inquiry to XXXX recently. I have contacted them to remove this hit to my credit, and I am having issues getting it removed. I have requested no credit line from them in several years. The person I spoke to advised there is no wat for him to remove this. Now, I can only hope to go through XXXX to get it removed, and who knows how long it could take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: PA
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:
I went shopping for a car and multiple inquires were placed on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I went shopping for a car and multiple inquires were placed on my credit. 
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 2022-06-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from Experian and I noticed that this unauthorized inquiries had been made. 


Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted Experian, who placed the inquiry, and asked them to remove the credit inquiry from my credit profile, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

In accordance with the Fair Credit Reporting Act XXXX Experian 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 state a consumer reporting agency can not furnish an account without my written instruction.

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 2017-10-18
Company: Navient Solutions, LLC.
State: NC
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:
This is in response to the lawsuit filed against Navient regarding their practices. 

About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice.
The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ).
I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do  was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. 

Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. 

I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. 

I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. 

Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: BMW Financial Services NA, LLC
State: CA
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: Billing dispute for services

Complaint:
Dates are XX/XX/2022 and XX/XX/2022 BMW reported lates on my credit report however the information is incorrect. I have contacted BMW Financial services on multiple times in XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, and to no avail I received no assistance in removing both errors of 30 day lates that do not belong to me that is a blatant error and i have asked their Customer Service to remove however am still waiting. BMW stated that the late is not supposed to be reporting 15 U.S. Code? 1692d-Harassment and abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.15 U.S. Code? 1692e-False or misleading representationsAdebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of anydebt. This debt is reporting falsely.15 U.S. Code? 1692f-Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: GA
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:
My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.

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