BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: IL
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:
The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-06
Company: American Credit Acceptance, LLC
State: MI
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:
Should not be on my account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: IL
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:
The following creditors and Equifax have been and are reporting inaccurate information on my credit report. The following creditors and Equifax have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Equifax and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Equifax and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Equifax nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since theyreceived the dispute, according to the Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the  following hard inquiries should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and hard inquiries should be deleted immediately are : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-03-25
Company: Credit Protection Association, L.P.
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: Information belongs to someone else

Complaint:
I check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made $ 1,700+ in purchases during the XXXX billing period with my XXXX XXXX XXXX from Synchrony Bank . When the 5 % back was not awarded for the purchases, I reached out to customer service in XXXX. The customer service representative reassured me that they rewards would be available by the next billing period. By the time I received my next statement the rewards were still not on the account. I reached out to a customer service representative, and they assured me that it sometimes takes 2 billing cycles for the rewards to be reflected on the account. I waited for the next statement to be generated, which also did not include the rewards for XXXX purchases. I then reached out to another customer service representative who apologized for the rewards not being on the account, and assured me, once again, that they would be on the following statement. 
This morning I received a notification from my checking account that Synchrony bank charged me twice for my statement amount. Once for the statement amount that I paid last week, and another for the same amount that was presumably a result of the recurring payment feature failing to function properly, as it should've been reduced by my early payment. This caused me to call Synchrony Credit where they have advised that they have issued a check for the extra payment, but also led to my question on the rewards on the account. After being passed around to multiple customer service representatives, I was finally advised that a purchase I made in XXXX  for {$1300.00} was not eligible for 5 % cash back by an account manager. The account manager was unable to let me know why that purchase was not eligible, despite the card being an XXXX XXXX card, limited to only be used on XXXX. The customer service representative was also unable to advise what other vendors they exclude on XXXX XXXX website. Without any information on what purchases Synchrony Credit may withhold rewards for, the misleading customer service, and an extra payment charged to my checking account, I decided to cancel the account this morning. Other Synchrony Bank clients should be on the lookout to make sure they are getting the rewards that they signed up for.

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 2022-09-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Unfortunately, this past year I have been going through a lot of medical hardships. On XX/XX/2020 I had to have a medical XXXX, which has pretty much up to the day, gotten worse, when we thought the XXXX was going to fix the problems that I've been having. I had to have XXXX XXXX  XXXX on the XXXX of XXXX, and actually after my procedure I've dealt with more problems in my XXXX   and XXXX XXXX XXXX  and not allowing me to work and have continued medical visits and problems. Therefore I haven't been able to satisfy paying my bill. While I do appreciate Flagship working with me as much as they have, the account as of XX/XX/2020 has reached the point of were the communication between Flagship and I have gone sour and the threat of repossession of the vehicle. Unfortunately I found out on XX/XX/2020 that I have now the diagnosis of XXXX XXXX and now have to see an XXXX  XXXX  to discuss further treatment and options. 

While I understand that Flagship does want payment, I feel forced to give them a date, to try and make a payment, when I can't work, because I fear the constant of them talking about repossession of the vehicle. 

I've even had a couple of their representatives state that and in addition I've had one representative state I've been driving thr vehicle for free to my medical appointments.

I called Flagship as soon as I found out my new diagnosis and told them. I would love to be able to work something out, however due to medical problems and being out of work payment isn't an option on the  account, due to the continued nature of my medical problems. I've even offered to fax over paperwork showing my medical problems and they've said that isn't necessary. 

The last conversation I had today XX/XX/2020 with Flagship was without payment it comes down to them getting ready to repossess the vehicle because the account is behind by four months. I unfortunately can't make payment as I've stated to them due to my inability to work.

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 2021-09-23
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2011. A consumer credit transaction in which a finance charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash or cash equivalents. However, Regional Acceptance Corporation collected a cash down payment of {$1000.00} USD ( see attachment ). In addition, the finance charge is to include insurancedespite that fact, Regional Acceptance Corporation required I obtain my own insurance policy separately.

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 2017-06-25
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX missing from account from dates thru XX/XX/XXXX til present chase sent replacement card and basically I 've been denied a right too activate it because of fraudulent identity theft questions that I simply could n't answer because they were '' *this close '' *yet off n a sense on each one therefore the scrutiny was the " Baitnswitch '' fraudulent reasons I was denied! Activation on telephone by XXXX, from 3world country that 's soliciting my social # .this bank when I established this POA account lied n just thru all my $ $ cash n my mothers account, n then began to go to work on my cash n ways n delegation I never drafted consent to, plus allowed transactions n nonmatching '' names in cyberspace ushering '' me to visit the branches filled with racism n by yelling n intimidating me by phone and by refusing to answer to my complaint n writing ' to the cfpb is also revealing they hiding something .plus my proof such as receipts already given to cfpb depicts I may be on to something as proof that " chases '' bank records r altered compromised erroneous, deceptive n basically subversive too good faith '' money management that it purports to give but really do n't at all .some ATM receipts reflecting highly dishonest misleading amounts during these per than what really was inside account causing other dissaray, +/or its chase sending money or allowing transaction to go thru right away and Still later come in get paid twice virtually later is like theft by electrical transfer.XX/XX/XXXX # -XX/XX/XXXX I did n't take XXXX, out.return my XXXX $!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Chase Visa was charged {$420.00} via the XXXX Website on XXXX2017. XXXX did some redirect when I hit submit and the charge was increased and made by XXXX. On XXXX I chose a 2 BR, Premium, Beachfront, Beachview, twin beds in the 2nd BR Condo. I have presented evidence to XXXX showing them that I got a 1.5 BR condo with bunkbeds shoved into a tight Alcove. It is a XXXX Condo with no updates and is very definitely not Premium. There were no twin beds and it was a 1/2 mile hike to the beach. <P/>Chase. XXXX XXXX XXXX, XXXX, DE XXXX replies to my dispute with a general statement that I received the product for which I was billed. <P/>There seems to be a deception going on in that the XXXX Website removes itself from the process when you hit submit. When you hit submit you get charged a higher rate and eventually you see the product is not as described by XXXX. <P/>Chase is negligent in not properly investigating this and protecting my purchases from this deceptive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,  XXXX  and Experian credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a 700+ credit score but I get denied for everything because they won't unlock my credit file. 

Also I have wrong phone # s and addresses reporting that are causing me to get denied. 

I would like all phone numbers removed except for : - ( XXXX XXXX XXXX XXXX Please make sure these addresses reporting - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, XXXX, Equifax ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A Navient rep told me on the phone earlier this month that I qualified for and had been enrolled in an interest-only repayment plan. When I checked my account on the Navient website, it said I was denied for interest-only repayment, and the listed reason why was literally nothing besides " your loan is currently not eligible for the requested repayment option ''. This is not even close to an acceptable explanation, especially after the rep told me I was qualified. No explanation has been offered and I have been repeatedly denied this plan in the past without ever being given any reason or being told what I need to do to qualify. I am struggling to pay my loan and have been told by other reps several times that my only option is default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation