BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
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:
Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CCF Intermediate Holdings LLC
State: TX
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:
DATE : XXXX COMPANY NAME : CASH CENTRAL COMPANY NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE NO IDEA HOW THIS IS ON MY CREDIT REPORT RECENTLY STARTED BUILDING MY CREDIT IN XX/XX/2022 WITH NO NEGLIGENT PAYMENTS OR ETC. BUT THE XXXX APP WAS UNLOCKED IS WHAT WAS NOW BROUGHT TO MY ATTENTION NOT SURE IF THIS IS WHY BUT WHEN I CALL NUMBER ATTACHED ON REPORT THE SAY THEY CANT FIND NOTHING WITH MY NAME MY MEANING FOR THIS MESSAGE IS FOR A REMOVAL OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding 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 2019-12-05
Company: Experian Information Solutions Inc.
State: CA
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 discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding 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 non-monetary relief
Consumer complaint received 2022-04-06
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Investigation took more than 30 days

Complaint:
I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A XXXX LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 Via LexisNexis portal site : https : XXXX I requested that LexisNexis Please forward an updated copy of my report to XXXX screening reports within 48 hours. After updated report has been forwarded, please place a freeze on my account, as well as an information suppression. 

Please send a copy of the updated report you sent to XXXX to me as well at the address above 2 days later i still have not heard a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
<P/>
Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
<P/>
I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
<P/>
Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: NC
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 sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax REFUSES to update my personal information. Equifax has got a long list of addresses attached to my personal information. I have only one address, and that address isn't on their long list. Additionally, Equifax has put identity theft into my credit report, since I have never lived in XXXX, but they insist on keeping a XXXX address on my credit report. I have repeatedly asked and told Equifax to update my personal address and personal information, including removing the fraudulent XXXX address, but they refuse to remove the fake information. Equifax refuses to correct the false information they had put on my credit report. When I try to update the credit report online, I am told that I must call a phone number. When I call their phone number, I am told that I must go online to update the information. When I speak with a person at Equifax, they say I must go online, or they say they will take my message about updating my personal information, or they say I must postal mail paper documents. When I postal mail the paper documents, I repeatedly postal mail museum-quality documents, and after a couple of months, the eventual reply from Equifax is that they are unable to verify my identity. This has been going on for decades. Never in the entire existence of the Equifax company, has Equifax ever able to verify my identity with my brith certificate, my social security card, my driver 's license, my passport landing page, my car registration card, my car insurance card, my voter registration card, my monthly bank statement, or my monthly mobile phone bill statement. The current address that Equifax has on my credit report is at least 15 years old. I have never been able to update my personal information or ever get a copy of my Equifax credit  report. In every way, Equifax is a criminal enterprise with a mission to create chaos, promote fraud, and hinder economic success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2017-06-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  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   XXXX  @  XXXX ,  XXXX , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: I.C. System, 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:
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

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 2022-12-20
Company: CURO Intermediate Holdings
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:
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Their investigation did not fix an error on your report

Complaint:
Been contacting XXXX via phone, fax, and written letters to request deletion of account/ information that does n't belong to me ; also to report positive account was advised via phone on numerous occasions issue would be resolved and updated it has been over 60 days and invalid information is still be reporting. The following accounts need to be removed State Lien/Judgment # : XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX & XXXX # : XXXX, all medical collection, all inquires/ alias names : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX , XXXX , XXXX,  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX the following address : XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX , GA ; XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX ; XXXX XXXX XXXX XXXX, OH 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 2019-12-05
Company: Avant Credit Corporation
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:
There is a fraudulent credit card account showing from Avant on my credit reports. I have never known a Bank called Avant and never applied for this account and its hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I HAVE BEEN PRE-APPROVED WITH CAPITAL ONE FINANCE ON XX/XX/XXXX ME AND MYHUSBAND COMPLETED THE PAPERWORK WITH XXXX XXXX XXXX IN XXXX GEORGIA. <P/>WE SUBMITTED ALL PAPERWORK TO XXXX XXXX XXXX WHO IN EXCHANGE SENT THE PAPERWORK TO CAPITAL ONE. <P/>I HAD TO SPEAK TO CAPITAL ONE FINANCE ON SEVERAL OCCASSIONS ABOUT ACCURACY OF INFO PROVIDED VIA THE CAR SALES PERSON XXXX XXXX. <P/>I HAD FOUND WITH OUR PROVIDED PRE-APPROVAL INFO THE ACCURACY NEVER MATCH UP WITH WHOM THE DEALER WAS SPEAKING TO AT CAPITAL ONE FINANCE. <P/>PER THE FINANCE MANAGER XXXX AT XXXX XXXX XXXX, PER MY PHONE INTERVIEW ON XX/XX/XXXX WITH CAPITAL ONE REP MY CAR HAS TO BE RETURN TO THE DEALER BECUASE OF ADDRESS. <P/>PER CAPITAL ONE SUPPORT THEY STATED THAT THE PRIMARY ADDRESS WAS LISTED AS XXXX XXXX XXXX, XXXX GA XXXX, AND STILL AS OF TODAY IT IS STILL MY PRIMARY ADDRESS. <P/>AS I STATED ON THE ONE CALL AND VERIFYING THE CONFUSION OF ADDRESS IN WHICH THE REP HAD INIDCATED I LIVED INTEXAS. <P/>I TOLD HIM AND STILL TODAY OF AS OF XX/XX/XXXX I WORK AS A XXXX AND I TRAVEL FOR WORK FOR SHORT TERM STAY. I PROVIDED THEM THE ADDRESS IN WHICH I WAS NOW HAVING THE CAR AT AS OF THE DATE WHENALL THE PAPERWORK WAS SUBMITTED, MY JOB ASSIGNMENT WAS CHANGED. <P/>I NEVER KNEW YOU CAN BE DENIED OF THIS LOAN, I HAVE HAD HTE CAR SINCEXX/XX/XXXX WHEN I WAS IN GEORGIA AND STILL TODAY. <P/>CAN CAPITAL ONE DENY A LOAN TO SOMEONE BECUASE THERE ADDRESS OF CHANGE AFTER THE SUBMISSION OF PAPERWORK. <P/>MY ADDRESS IS SHORT TERM. I AM NOT A RESIDENT OF TEXAS, I AM RESIDENT OF THE STATE OF GEORGIA, I AM WORKING AND I REINTERATE THIS OVER AND OVER, AS I FEEL THERE IS NO INFO PROVIDED BY THE DEALER NOR THE FINANCE COMPANY THAT STATES DIFFERENT. <P/>ALSO I HAVE NEVER BEEN OR DONE AN INTERVIEW FOR A CAR VEHICLE EVER AFTER ALL PAPERWORK HAS BEEN COMPLETED. <P/>PLEASE ADVISE. <P/>AS I HAVE PROVIDED A DOWNPAYMENT I HAVE INSURED AND PAID ON THIS VEHICLE AND ALSO HAVE DROVE OVER 15 HRS TO WORK SAFELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
Since XX/XX/XXXX I've consistently with both the Company & Experian tried to dispute the continuous inaccuries that appear monthly on my credit report. 
I've called and had them served by Certified Letter in regards to them not including my monthly payment amounts as agreed upon with the Magistrate and also the amount that I have paid weekly or monthly in total since they only report once. 

It shows up as XXXX Dollars paid & doesnt show the Monthly agreed upon amount as recorded by the courts. This has tarnished and damage my reputation in regards to being able to obtain credit. Experian just told me today XX/XX/XXXX that they have not not tried to verify any of my inaccuracy claims since XX/XX/XXXX from the data furnisher. I've paid consistently on time and ahead as indicated by the reports showing one month behind which is only due to covid and a delay in my unemployment payments. This in my opinion is not a difficult request and it is also mandated by federal law. The XXXX XXXX XXXX XXXX & Experian has failed & refused to honor my Request My Rights Under the Fair Credit Reporting Act : 1. ) You have a right to dispute incomplete or inaccurate information in your report. 
2. ) Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

3. ) Reporting agencies must not disseminate outdated negative information. 

I recently had a XXXX  which completely wiped my family out XX/XX/XXXX & The Pandemic hit less than 3 weeks later this disparity economically devastated us as I looked for permanent shelter. Of course due to state mandated lockdowns I've been unable to reach someone or visit the courts, therefore I send Certified Mail of this violation of my federal rights under the FCRA. I am at wits end over this and frustrated beyond belief. I cant show a lender what is required and agreed upon by law and whats been paid on a week by week or monthly basis. 

News Store over our fire ( XXXX XXXX XXXX ) This can no longer continue either they must report accurately under the guidelines or delete the inaccurate entries at once.At this point I would like for it to be deleted altogether because they have show to be incapable of doing the right thing in regard to furnishing adequate information in a timely & responsible manner.

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