BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
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:
On XX/XX/2022, I sent a letter to the three credit bureaus asking for an investigation, verification, and updating of these suspicious accounts. Because I firmly believe that the Credit Bureaus willfully violated FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, I will take legal action against the three Credit Bureaus. I had included these accounts in my complaint from XX/XX/2022, and I'm submitting them again. the accounts listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$0.00} ; these account information on my credit file has to be updated to reflect the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act. The list of accounts below has violated my greatly protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C. 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more t
hen seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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 am a customer of XXXX and have a loan with them. I have always paid my bills on time. I discovered that there were late payments on my credit record for whatever reason after looking at my credit report. As you can see, I've always made on-time payments to this business. I made an attempt to get in touch with the XXXX credit bureaus, but I was unsuccessful. There was unquestionably a mistake on their part. I am filing this CFPB complaint to the credit reporting agencies in order to ask them to fully examine and correct their information. The account with the inaccurate information is below and has to be updated as soon as possible : XXXX XXXX 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 explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent multiple disputes to remove incorrect address from my transunion credit report with no resolution. At this point I do not know what to do. What recourse do I have to hold these Credit reporting agencies accountable.

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 2021-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Received a notice from the Department of Revenue state of Mississippi in XX/XX/XXXX, in reference to that they were unable to receive a certificate of title from the Lien Holder ( XXXX  XXXX  ) and that in XX/XX/XXXX I will not be able to re-register the vehicle. I contacted both XXXX and Portfolio Recovery Associates ( PRA ) and was informed that they could not assist me as they did not have a physical copy of the title. I then contacted The State of Mississippi and informed of what i was told by XXXX and PRA, they told me that i would need a letter of no interest or a Lien Release from XXXX XXXXXXXX I again contacted XXXX  XXXX  and they mailed out a letter of no interest on their letter head but that was still not usable. I contacted PRA again on XXXX  XXXX, XXXX and spoke with a XXXX XXXX who told me to email him the letter from Mississippi and that he would take care of getting the title sent. The title or lien release was not sent and I have not heard back from him. I finally tracked down where the title is being held, the Title is being held electronic by the State of Kanas where the vehicle was originally registered. I spoke with them and I was told that I would need a notarized letter from the lien holder or a TR42 Form signed and notarized by the lien holder. I have sent the TR42 to both XXXX  and PRA and both companies refuse to sign and send the document to the State of Kanas. I have spoken with XXXX from XXXX and she has informed me that since XXXX sent a electronic lien release back in XXXX that XXXX no longer has any interest in the vehicle and can not sign off in good faith. PRA has still not contacted me and when you call the bankruptcy department you are on hold for over 30 minutes they pick up and automatically put you back on hold. I'm at lost and my supporting documents are over XXXX so i can not attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if you do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6900.00}

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 2022-11-15
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-15
Company: Experian Information Solutions Inc.
State: WI
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:
First I asked XXXX, XXXX and Experian to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief.

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave XXXX, XXXX or Experian my written consent or instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-30
Company: EQUIFAX, INC.
State: SC
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, my name is XXXX XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate personal information on 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 explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00}

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 2016-11-15
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
The process of repeated calls during the day has begun again. After the last complaint Navient has agreed to significantly reduce the number of collection calls its agents place. As challenging as it is being unemployed for over 6 months, I have made payments. I am now about 20 days behind, again, and so far this week received XXXX calls, XXXX of these were today, the XXXX of XXXX and within XXXX hours of each. It appears the practices if harassment are part of Navient 's business doctrine. Harassment is perceived by the recipient. The principals are set forth in workplace XXXX and I see no difference. This is the XXXX time I have filed this complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Billing disputes

Complaint:
I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from 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 2021-07-30
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:
I paid the total balances of two collection accounts on XX/XX/2021. The collection companies mailed a payment verification letter to Equifax but Equifax refused to check and update the two collection accounts records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchased an item from a internet based company. I was contacted by the company and told that they did not have the item they sold me and had issued an refund for {$420.00}. I did not receive the refund. I contacted Chase Bank and explained the problem. I was issued a provisional credit that was then revoked 30 days later. Chase says that the merchant told them I cancelled the order too late and was not entitled to a refund. I explained to Chase again that the company cancelled the order and issued a refund with out me even asking them to. The reason for not returning my money was inaccurate. I have since then gone to Chase Bank in person twice to have them fax in proof of the companys emailed response and refund. Chase keeps telling me they don't have the information the bank branches are faxing to them and has repeatedly denied my claim. So far the company has never refunded my money, not sent me a product and continues to lie about the transaction and Chase is doing nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern ; I file this complaint with the CFPB as I have exhausted every other attempt to rectify a great economic injustice, more accurately described as a deceptive ongoing theft, that I have been and continue to remain the victim of. This financial crime has, to this point, cost me in the neighborhood of {$300000.00} by my rough estimate but could perhaps be as much as {$500000.00}. As part of this complaint I will be asking Wells Fargo and its predecessors, the perpetrator of this deceptive economic deception, fraud, and financial chicanery to fully account for the amounts they have effectively stolen, and continue to steal from myself, and by extension my wife and children. 

I have documented the issues in this complaint in the attached document as not enough space is provided in this form

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 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
The inquiries : XXXX reported on XX/XX/XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXXeported on XX/XX/XXXX XXXX reported on XX/XX/XXXX BK OF AMER reported on XX/XX/XXXX Late Payment : XXXX XXXX reported on 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 non-monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: VA
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:
My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my Credit Report in XX/XX/2021 to find Accts that were not mine. I called the credit bureau to confirm that i had no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation