BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: IL
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:
Good afternoon, Please help! I entered into a real estate contract to buy my first house. My lender and I were ready to initial the loan application but she was having issues pulling my credit report from Equifax. I was affected by the Equifax breach, so I was offered their " XXXX XXXX XXXX '' service, which seems to be what is is causing the issue. When I log in into my account I get a " credit lock status error '' ( image attached ). I called Equifax to explain the urgency of the situation and they said it will take up to 7 days to fix. I've been calling Equifax everyday for the past 10 days now and they keep saying " we have submitted a ticket, someone will look into the problem. '' At this point, I am very frustrated, I have a deadline to meet on my real estate contract, I will potentially lose the house if this issue does not get fixed as soon as possible. I've already spent a lot of money on the house inspection, lawyer, and the like. Please help me get a response from them as soon as possible! Thanks in advance for your help! Please let me know if you need any other information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: FL
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:
Denied credit within the last 60 days, I am retired, I am entitled to a mailed report. Therefore, mail 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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Transunion replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2022-05-01
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My down payment on my car payment contract was fraudulently listed as credit applied to my loan financed with the credit lending company Bridgecrest financing. This ordinance is in violation by 15 USC 1605

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 2017-07-24
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account from XXXX XXXX XXXX in the amount of XXXX sold the account to a collection agency. I disputed the account as it is not mine and the collection agency XXXX XXXX, deleted the account last year but I 'm guessing in the process sold it to another agency, Afni who not only re-aged the account to show recent but they are still trying to collect on an amount that was found not to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed several violations against me as a federally protected consumer. These violations appear on my consumer report and are a violation to me as a federally protected consumer, I the original creditor did not give navy federal permission to close my credit card and this was done without my knowledge I demand navy federal provide me with a new credit card and new account number with access to the credit line I previously had seeing that these balances have been paid in full I should be granted access to the available credit I allowed navy federal to extended to me. I demand that navy federal update all of these accounts as paid as agreed and remove any negative reflecting information regarding these accounts ie remove all late payments as remedy for the violations against me as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
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:
this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor - Company Sold-to

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 2017-04-20
Company: Renton Collections Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Renton Collections. This has been going on sin ce  XX/2016 . They c ontacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XX/XX/2016    YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under RENTON, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them THEY were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  Renton Collection    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: FL
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:
Denied credit within the last 60 days, I am retired, I am entitled to a mailed report. Therefore, mail my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a paid judgment of my credit report in the amount of {$1200.00} da ted  X/14 . I ha ve mailed copies to all  XXXX  credit bureaus ( Equifax,  XXXX  and  XXXX   ) s howing proof that I won this case back in    2014 I beli eve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not su re why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Ive tried to defer or forebarence my XXXX XXXXl loans thru Navient and I qualify for being unemployed they keep saying they havent gotten the documents correctly to prove and Ive sent them thru online and mail! Online verification does not work and they said my documents thru mail wernt identifiable! They keep saying Im late on my credit report and they are hurting my credit score! My XXXX loans are also being transferred to a new services in XXXX! I just want them to stop saying Im late every month on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2017-04-21
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  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 2022-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX 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 2020-07-24
Company: Oklahoma Student Loan Authority
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is my 3rd complaint. When I talk OSLA and challenge the debt. They tell me to get a lawyer and hang up on me. They do not leave voicemails nor do they send a bill in the mail. This was DISCHARGED on my husbands due to XXXX  XXXX. He is the ORIGINATOR. This is a PERSONAL and NOT a federal debt for student loan. The company keeps avoiding these facts and will not address my actual and factual complaint. This is a 17 year old loan. Attached is a screen shot of statute of limitations and this loan should no longer be owed and discharged. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This my written dispute to CFPB against Transunion. 
On XX/XX/XXXX I sent Transunion a dispute via XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX and they received it XX/XX/XXXX. 

Transunion never disputed the unauthorized hard inquiries on my dispute letter. This negative information is causing me to get rejected for bad credit. 

I have attached photos of dispute to validate my dispute to Transunion

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 2021-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2020-06-21
Company: JPMORGAN CHASE & CO.
State: AA
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:
I have XXXX disputed charges on my Chase Sapphire Reserve card : Unauthorized charges : 1. XXXX {$690.00} 2. XXXX {$690.00} 3. XXXX {$690.00} TOTAL : {$2000.00} Authorized charge : 1. XXXX XXXX {$690.00} ( I have already paid this charge ) Complaint : 1. I have disputed three times. 
2. The merchant has acknowledged that they mistakenly charged my chard four times for the same purchase. 
3. I have submitted documentation to Chase which includes an email from the merchant acknowledging that three of the four charges are mistakes. 
4. Chase has found the charges valid, even with explicit documentation from the merchant which says three of the charges are mistakes. 
5. In Chase 's resolution letters, no explanation is given as to why the charges were found to be valid. 
6. I am currently being charged interest on these unauthorized charges. 

Summary : I stayed at a hotel in XXXX called XXXX XXXX. When I checked out of the hotel, the employee used an app-based method to charge my Chase credit card. At first, it appeared the charge did not go through, he tried a total of three times. These charges appear as XXXX. 

When it appeared that all three attempts were unsuccessful, he switched methods and charged the card through a separate website -- this charge went through. This charge appears as XXXX XXXX. 

After looking at my transactions history in my Chase account, it showed that the three XXXX  charges did in fact go through. I was charged four times for the same hotel stay. The three XXXX  charges are mistaken charges, the XXXX XXXX is the correct charge and was already payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: JPMORGAN CHASE & CO.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation