BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: ENOVA INTERNATIONAL, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was affect by the coronavirus pandemic. I contacted the lender multiple times to inform them of my situation and made partial payments. However they reported on my credit report my payment was 30 days late in XXXX and XXXX. You would think in These difficult times as a mother who lost more than 50 % of my income they would be more understanding. When I compare the total that was paid in their website and what was reported on my XXXX credit report they don't coincide. When I called and asked for a report of what was paid and what was due. They refused stating it would only confuse me. They payments were never more than 30 days late if they would have reported the correct days according to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen a few years ago and someone opened up several credit accounts in my name. I filed a police report and disputed the items with all XXXX of the major credit bureaus. XXXX and XXXX complied and removed the items from my credit. However Equifax has not and I 've been disputing the items for 2 years. They have not proven that the accounts belong to me but they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted this complaint in a prior complaint regarding XXXX  and National Credit Adjustment. They did provide a response however, it was not satisfactory. Since then the same collection has reported different information with XXXX Instead of just removing the item XXXX and XXXX continue to allow this collection agency to place false information on my credit with no verification. On XX/XX/XXXX, I disputed the information again. This is the second time it has occurred where false information has been placed on my credit report in less than a year. XXXX  attempted to keep me from disputing it online because they said it was resolved. This item was removed last year from my credit at both reporting agencies and this debt has been sold to a new agency and they are attempting to place the information on my credit as a brand new collection dating it for XX/XX/2019. It is impossible that this could have occurred due to personal circumstances I will not provide because they will simply change the dates to keep this on my credit. I have contacted an attorney regarding this matter and if this is not resolved I am prepared to file this as a class action against both reporting agencies because this is ridiculous. Its a game they are playing and the reporting agencies are not requiring proof. Since this was a new collection agency they were required under the law to verify the debt with me first. That did not occur. have not received any proof of the debt from either reporting agency or the creditor. At this time they all need to fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Have been disputing incorrect information on my equifax credit report. I received an e-mail stating the investigation was done and it meets the fcra. This is absolutely untrue as I was told an investigation could take up to 30 days. I received a reponse within 1 week. This incorrect information is hurting my credit score and affecting me from obtaining credit. I called to re-dispute the wrong information and was told I am not able to re-dispute information again. This is ridicilious. I have XXXX items on my report that are a result of someone using my information and all equifax keeps doing is updating the wrong information every month. I am being penalized for something I did not do. I am complaining because they ( equifax ) is doing nothing to correct my report. I have also supplied equifax with letters from the creditors ( XXXX ) for my XXXX account and they still did not correct the information and put these accounts in the satisfactory part of my report as the letter states I have never been late with payments and the information should be updated. Equifax refused the letters that came directly from the originial creditor. Unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2021-03-10
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint involves Sychrony Bank and the credit card obtained from them through membership at Sam 's Club. My card payment is due on the XXXX of each month. I was over my limit and decided to take money out of savings and pay almost all of what was owed as I no longer want to pay large interest payments. 
I submitted a payment of {$7500.00} for XX/XX/XXXX. I received notification that payment was processed on XX/XX/XXXX. My personal bank account showed the money was paid out on XX/XX/XXXX. On XX/XX/XXXX, my card was declined for payment of a service on that date. My account showed that I owed {$710.00} dollars to Synchrony but that I had - {$740.00} available to spend. I have a {$7500.00} limit. I tried an online chat with customer service and expressed my concern. I was informed that larger payments can take as long as 3-4 days to process. I continued to check the account over the weekend and there was no change. I also continued to express my concern in the online chat with customer service. Yesterday, XX/XX/XXXX, I once again checked and again the figures had not changed. Today, XX/XX/21, I went to use the card to pay for less than {$25.00} worth of groceries and again the card was declined. The figures in Synchrony Bank '' s summary of my account have remained the same. Once again, I explained and complained to customer service. I also insisted that any and all interest fees accrued since XX/XX/XXXX when payment was processed, be dismissed. 
I appreciate any assistance you can offer with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXP ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}

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 2021-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020. 
Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion. 
They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance. 
However, it's been already over 5 months and I have not received the refund. 
I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. All of these are in violation of the Fair Credit Reporting Act, et, al.

The following is/are a list of inaccuracies/erroneous status(es) still showing on my credit report:

XXXX Ocwen Loan Servicing, LLC shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is Ocwen that has mis-managed the escrow; and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with Ocwen. 

XXXX  The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

XXXX  Any inquiries, two or more years old, should no longer be showing on the account.

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed inquiries on my Equifax credit report and asked for proof of the inquiries or delete from file. Proof was not provided. Instead I received a letter explaining inquiries. I do not need an explination of what an inquiry is. I proof or a deletion of all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Account status incorrect

Complaint:
TransUnion received an update from the Department of Education  today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.

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 2016-04-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX : XXXX I tried to register a complaint with the Michigan XXXX using the online complaint form regarding the XXXX XXXX XXXX account that was reported in 2014 on both XXXX and Equifax. However, despite me clicking the " company '' option as opposed to the " person '' option for the XXXX complainee sections it insisted I fill in a first and last name as if it were a person. It highlighted these fields in red and would not process anything until I filled them in to no avail. So I wo n't be retyping it. Just wanted to let you know that those who may want to, ca n't. Both XXXX XXXX XXXX and XXXX have no name to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America. I settled a credit card debt with a debt collector ( XXXX XXXX XXXX XXXX ) working for BOA on XX/XX/2020. I paid via XXXX - {$1000.00} and a second for {$790.00}. I need a tax form ( XXXX ) - forgiven amount of $ XXXX from BOA for the settlement account. I have been in contact with Bank of America ; however, I can not get information about the tax forms.

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 2016-04-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX Date of Last Payment, Date of Last Activity is still not being reported after their investigation. Account was also not validated, no copies of signed contract and no payment history. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage at the end of 2020. My prior mortgage was with Bank of America. I had paid ahead on my mortgage so BofA provided me with a check for monies I paid ahead. The amount paid to me was not the full amount that was owed to me. Below is the calculation of what is owed to me Original Mortgage Amount : XXXX + Int. disclosed to me on tax forms XXXX New Balance XXXX -Payments made by me XXXX New Balance XXXX - Payoff amount sent to BofA XXXX Difference XXXX + check sent to me by BofA XXXX Difference XXXX As you can see BofA owes me {$7900.00}. I have raised this issue with them several times during the past month ( I have been given the following case numbers SR XXXX, SR XXXX, SR XXXX ) and keep getting passed from group to group. I have attached the Form 1098 for the years of the loan, a copy of the BofA Payoff check and a spreadsheet that details the payments I made to BofA during the life of the loan. I can provide the checking statements showing each payment if you wish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
trans union is reporting rtr financial services i have no bussiness relationship with them this is nit mine

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