BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want to apply a XXXX Freeze to my Trans Union Credit report. I have been trying for two days to call several numbers to reach the company, spending several minutes to navigate their menu systems, reaching the correct queue, only to be hung up on by the automated system and receiving a fast-busy tone. Calling their support does the same. The system status message says everything is working, and there is no indication of issues on their website. I have no options to contact the company to apply a freeze. With the current risk from the XXXX data theft, this is completely unacceptable.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-14
Company: Genesis FS Card Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The item i need deleted are listed in th credit report. I am a victim of identity theft and did not make the charge. I have contancted the Creditor and tried to have these item removed time after time. Because of this negitive item i havent been able to get approved for a home nor a car considering i am a single father who needs transperation to make sure my child has everything she needs. Please delete these item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile

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 2017-09-13
Company: EQUIFAX, INC.
State: FL
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: Didn't receive services that were advertised

Complaint:
I am a victim of Equifax Data breach.

Equifax seems to discourage us getting their credit monitoring help to victims. They have made it hard to use the help.

I believe when you pay for the service they send you a welcome email but with free service to breach victims, they do not even send an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXXt Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: AZ
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 have completed 2 rounds of disputes for this particular reporting with no action by Equifax. I am also requesting an investigation into the, third party reporter, XXXX XXXX as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX XXXX bankruptcy that is showing on my report only on Equifax. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to Equifax and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, XXXX XXXX, and made no deletion of this erroneous information. Please mandate Equifax and XXXX XXXX to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: SYNCHRONY FINANCIAL
State: KY
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:
XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.

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 2017-09-11
Company: EQUIFAX, INC.
State: OH
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:
Last week Equifax improperly handled my wife 's and my own credit reports. They are offering a year of free credit monitoring through their own provider. Most likely our compromised information will come in to play years from now and could potentially effect us for the rest of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since filing the previous compliant with the CFPB last week, Chase Bank closed my checking account on the same day they received the complaint. I have spoke to the loss prevention department which is overseas and they don't understand when you talk to them the process or banking within the US. They have also locked my online account with the loss prevention folks stating I will not be able to have any access to online accounts or through the app. My checking account and loan are two different things. I have also requested that I go to the bank and get the XXXX cashiers check they state they will issue me. Unfortunately, loss prevention does not have a date they will return my XXXX in my checking out. Chase clearly thinks they can do as they please without any implications. I would like some assistance with this ASAP... Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Pinebrook Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019, Advanced Loans, XXXX XXXX , XXXX XXXX MO, was authorized to take two payments of {$76.00} from my XXXX card. They took out three payments instead causing my account to incurr an overdraft fee of {$76.00}. After speaking with the supervisor, I was assured that I could come to the location to be reimbursed for the error. When I got to the store I was advised that they would only give me the {$20.00} overdraft fee. When I asked to speak back with the supervisor I was told to wait. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: Sarma
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
today i received from my credit monitoring an email that stated i have agreed to a new inquiries on my credit report when in fact i have no notice at all. on all three credit company 's.
New Inquiries Inquiries that were generated when you authorized a company to request a copy of your credit report.
XXXX XXXX XXXX XX/XX/2017 Date Reported : XX/XX/2017 Business Name : SARMA - MORTGAGE DEPARTMENT XX/XX/2017 Date Reported : Business Name : SARMANCS XX/XX/2017 Date Reported : XX/XX/2017  Business Name : SARMA NCS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of XXXX XXXX. I have now spoken to 10 representtative of XXXX XXXX and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of XXXX XXXX and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX has reported for the last 3 months we are late for payment on their account. I have been subjected to identity theft and fraud. I have included police reports to XXXX XXXX and Experian and they will not remove the item from my account. We have disputed 2 with Experian and XXXX XXXX with all the information, but they still will not remove. All creditors have removed the item from my credit report except for Experian and I am constantly harassed by XXXX XXXX to make a payment.

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 2017-08-20
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX diversified consultants, sent a letter stating they would delete the following account from XXXX ( who I never had service with ) in the amount of {$650.00}. Well as of XX/XX/XXXX I receive an email from XXXX, stating a new account has been added to my file. The FCRA states I must receive written notice before something is placed on my file. This company deleted than readded this account to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that Experian is auto-denying disputes as I can't reach anybody on the phone that will give me more information.

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 2017-09-13
Company: TCF NATIONAL BANK
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked

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 2022-06-14
Company: Experian Information Solutions 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:
Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 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
Consumer complaint received 2019-11-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
During the last year last few semesters of my XXXX I sought financial assistance through SallieMae ( 2012 ) for approximately $ XXXX. I didnt know at the time that I was eligible for federal loans, but I was only offered private loans which is what I accepted. The private loans have stricter repayment rules and higher interest rates, and they dont fall under the loan forgiveness program which I do qualify for. I feel as though the loans were predatory, can this be made right?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: LoanCare, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Ma'am : Good afternoon. I have two problems to sort out with my mortgage company and/or Loan Servicer. My loan is owned by XXXX XXXX, but is serviced by LoanCare , LLC.

Problem 1 : I submit biweekly loan payments which are above and beyond my required monthly mortgage payment. These payments are to be applied against the loan principal and have not been since XX/XX/2018. I have copies of the LoanCare LLC transaction history showing that they received these payments, but have not appropriately credited them to my loan principal. I sent an inquiry via the Contact Us secure web form on XXXX on XX/XX/2018 to follow-up on this issue and to ask that the appropriate retroactive payments and interest reductions be applied. I have not yet heard back from XXXX on this issue. I realize they have a reply window of time. I am escalating this through CFPB for need to track issues as well as the fact that there is a second problem which may negatively affect this first issue.

Problem 2 : On XX/XX/2018, I received a letter from XXXX stating that my Loan Servicer was changing on XX/XX/2018 to : XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, CA. A second letter, which was dated XX/XX/2018 arrived to note that my mortgage loan was resold and the new owner is XXXX XXXX XXXX XXXX XXXX. This second letter contradicted the first letter by stating that my mortgage serving will remain with XXXX. I sent an inquiry, also by way of the secure Contact Us web form on XXXX today, XX/XX/2018.

I no longer know who services my mortgage, where to send payments, whether my account number has changed, etc.

I also do not know what recourse I have in that I DO NOT wish my loan to be transferred to another loan servicer until the biweekly principal payments from XX/XX/2018 through current have been properly credited against my loan, and any appropriate loan adjustments ( Such as remaining principal, interest calculations, etc. ) have been accurately recalculated and applied. If the first issue is not resolved prior to the transfer, the wrong principal balance, interest, and inaccurate transaction history may be transferred to any new servicer. Please could you advise what steps I can take to resolve all issues?

Thank you, 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