BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2022-08-26
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have started a new program as a XXXX XXXX XXXX, uploaded and submitted deferment request and also acceptance letter into the program at the beginning of the month. Spoke to a representative ; XXXX XXXX, was told that they do not get notified when, " things are submitted online '' asked representative where I would find that they do not get notified when things are submitted on their website. She stated that, " she was not sure, and I should have called to speak with someone. '' Asked her what the point was of submitting documents online and asked where I should have emailed the forms instead. Service rep stated that, " they do not accept email. '' I believe Navient is acting in bad faith on deferments. I don't believe that they would have just taken my word for it so I submitted official forms on their website in good faith. Representative stated, " that we will request a deferment now. '' Wondering why it wasn't done before I get hit for a 90 day late, even though I submitted documents at the beginning of the month for the deferment and why she wants me to pay even though I am in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
BOTH instacart & shipt have charged me each {$99.00} for yearly membership. I DID NOT authorize this. Chase bank has REFUSED to dispute these charges. I was told I had to contact the company ONLY. I also have a problem with XXXX and they were not able to tell me if the payment I want to cancel is by card or check. The phone is one month old and in their attempt to fix it the made the problems worse. I am XXXX years old and its my only phone, and, I don't have a car. If anything happens I am stranded. Chase will not do anything about my problems with them. IF they allow the payment to go thru it will cost me over {$420.00} - which I can not afford. Apparently Chase doesn't know what its doing as far as I am concerned. 
I am also including a charge from XXXX  for my FREE credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the Transunion and XXXX are claiming that the debt is valid and correctly reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CASHCALL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made my first loan payment t o Cash Call on th is loan on   X/XX/17   . It was due     X/X/17  .  Cash Call applied principle and interest exactly as if the payment had been made on   XX/XX/XXXX  . When I protested, they have told me that all payments are credited on your due date regardless of the date you make them.     This is definitely a simple interest loan. The exact quote from the paperwork on this loan regarding interest figuring is : " Interest is calculated on a  XXXX  simple interest basis. This means that interest is calculated by dividing the ann ual Interest Rate by 360, multip lying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. '' However, Cash Call in effect is holding the payment and thus changing the " number of days the principal balance is outstanding. '' They thus refuse to give me credit for the payment toward principle for several days while waiting for the due date. This, of course, changes the date on which the principle decreased due to the payment and gains  Cash  Call increased interest for those days in which they pretend the principle was still full balance, while in fact they already had the payment and principle should have already decreased.     This is not how any simple interest loan I have ever had does it. Cash Call themselves in my prior loan with them always applied payments on the date made, deducting first interest due through that date and applying the rest to principle. They did not on the prior loan hold payments until your next due date to gain themselves extra interest in the meantime. However, they are now.     I have attempted to resolve this with Cash Call extensively. However, they simply keep saying that all payments are handled as if received on your due date. Due to the massive potential benefit to them in holding payments and delaying drop in balance, I am now starting to question their honesty in this tactic and think it is a deliberate attempt to pad their own coffers at the expense of customers. It is not right for Cash Call to have my payment, yet not apply it for several more days just so they can earn the higher interest for days in the interim by delaying any payment to principle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, I received a letter of " please provide property insurance information '' from the lender Mr. Cooper XXXX asking me for proof of XXXX insurance. I believe it was wrong, since my XXXX XXXX insurance already contains the property insurance they need. The XXXX  insurance is an all inclusive wall in insurance. 

Every since that, the night mare begins, I submitted their required document multiple times through their portal, by emails and called them multiple times. This wasted me more than XXXX hours in total. 

Every time, the company told me " wait for XXXX business days '' for update. or " we will call you ''. But there was never a call back or any response. When I asked the customer service multiple times " How can I know you guys have processed, approved or rejected '', they always say " check the website ''. 

And today I received the final notice saying " you have to buy the insurance, otherwise we will buy it for you ''. 

The lender failed to respond or communicate with me, and tried to gain benefit trough the whole process. I believe I am not the only victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 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 2015-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its a fact of record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Jonathan Neil & Associates, Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Around XXXX I was involved in a minor fender bender resulting in a cracked tail light. Now the opposing insurance company has sent me to a debt collect claiming {$3300.00}. I received a notice demanding payment within 7 days or they will seize my driver 's license and license plates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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 have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of XXXX XXXX on our credit report. To be specific XXXX and Equifax records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. Equifax have been also notified numerous of times to correct its recording of an Open Account, Equifax is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

XXXX, XXXX, and Equifax have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: MS
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 have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.

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 2016-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: I.C. System, Inc.
State: OH
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:
IC System XXXX Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report. 


REMOVE THIS ITEM IMMEDIATELY

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 2022-08-26
Company: EQUIFAX, INC.
State: NY
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I attempted to pay my rent in XXXX 2017 with the BillPay function that Bank of America provides. Apparently the check was stolen and cashed. I still had to pay my rent that month, so I had to write another check. Bank of America gave me a credit for the stolen amount, but it was a 30 day temporary credit. 

Every month since Bank of America has let the temporary credit expire, with no warning or notification. I end of checking my account balance, seeing that the credit has expired, and calling them to reinstate it. This has happened every month, and although individual customer service reps are sympathetic, they all say there is nothing further they can do. One rep told me to " pretend the money is n't really in your account ''. 

This is money that is mine, that I trusted Bank of America to send to my landlord, and was stolen.

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 2022-03-27
Company: Express Recovery Services, Inc.
State: OH
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:
Express recovery XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and inconsistent date opened. 
Inaccurate and inconsistent date last reported Inaccurate and inconsistent date last active Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation