BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like Equi-fax, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last Equi-Fax provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information.
I hereby Authorize to take necessary Action against Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$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 2017-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email 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 explanation
Consumer complaint received 2017-06-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have over  XXXX  in debt from university of  XXXX . It was  XXXX   XXXX  first the it went Navient. I call them almost every year trying to lower me payment or try that income base repayment but they always say I do n't qualify I make too much. I 'm a single mom o n one sal ary and have a mortgage and car /insurance payment. And utilities! They keep saying I do n't qualify and defer my payments but that just makes my balance go sky high with interest. They do n't help me with anything. I 'm never going to pay off this debt! I need help my son goes to college next year. I think my balance was around  XXXX  tbousou d before but with all the deferment it 's gone up to  XXXX  that a house. Please help. I work in the   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Loans not sharks keeps calling my phone and work when i 've told them not too saying they 're going to take me to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of XXXX  I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.

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 2017-06-26
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I am a victim of credit reporting and customer service wouldnt take care of my problem section 6-11 of fair credit report act. 
I Want my credit inquiries removed because I was not notify that this inquiries were being put back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with this debt collector XXXX XXXX XXXX XXXX who collects on XXXX XXXX XXXX XXXX XXXX /XXXX  XXXX. 

The account was paid in full and removed from my credit, then after 8 months returned anew on my credit as new 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 explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been in contact with all 3 credit bureaus regarding this matter and they have ignored me. Ive reached out to them, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. The bureaus have lied to me and have not done their due diligence to verify the accounts in dispute.

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 2022-09-05
Company: CBC Companies, Inc.
State: TN
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 never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CT
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  XXXX Account 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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chase Bank is declining my claim concerning fraudulent XXXX transfers made from my accounts. Chase has a detailed letter of complaint from me and has decided to deny the claim. I did not make the transfers. 

XXXX XXXX,2022 for {$4500.00} XX/XX/2022 for {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: CA
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:
Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: AL
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 PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.

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 2022-09-05
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX. XXXX, 2015 XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 # 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 non-monetary relief