BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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: Investigation took more than 30 days

Complaint:
I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Avant Credit Corporation
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: Account information incorrect

Complaint:
InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: FL
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:
I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.

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 2022-03-31
Company: EQUIFAX, INC.
State: TX
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 file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Allied Collection Services, Inc. (Nevada)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the collector Spoke to XXXX he stated they agreed to settlement of 1/2 the debts of {$200.00} would send me a letter send me a letter of agreement. I never received it I called as I was notified by my credit report today XX/XX/XXXX I owed the full amount and the account is open to XXXX XXXX XXXX. I called to question the account to be paid as agreed the gentleman stated because your trying to buy a house you have to pay the debit in full before we will remove it, or it will stay on your credit as unpaid he refused to accept me any assistance to show account was settled

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 2022-03-31
Company: EQUIFAX, INC.
State: IL
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 have tried to dispute accounts with XXXX, with these accounts. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not been successful in deleting it. XXXX not compliant with FCRA 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was doing wire transfer from chase mobile banking app of {$20.00}, the transaction got cancelled and my account was locked & this has happened twice than i tried contacting the XXXX after verification of identity my account gets unlock & than whenever i do wire transfer again my account gets locked. It's happening again & again. 

{$20.00} transaction details are as following : - Send to - My brother XXXX XXXX XXXX XXXX XXXX Purpose of payment - personal, cultural, recreational services. 
XXXX XXXX - XXXX Date of transaction - XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, 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

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 2017-06-15
Company: Fay Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter fro m Fay Servicing with a foreclosure filing 2 days before the foreclosure case was granted and closed and the foreclosure was filed by a different mortgage company. Prior to the day of me receiving the letter I had not been contacted by or even heard of Fay Servicing.   XXXX   XXXX  , 2017 a letter was left at my residence on the door sweep, from someone from Fays Servicing, not via a delivery service such as US mail or anyone from a legal affiliate. Fay Servicing has reported a {$60000.00} balance for a mortgage on my credit report showing 90 days past due and has caused my credit score to severely decrease. The property that was into foreclosure balance was not even close to {$60000.00}. Please investigate this company for they have committed fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX Date Opened : XX/XX/2013 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 non-monetary relief
Consumer complaint received 2017-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-03-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Over several YEARS, I have contacted both banks to have this transfer of funds cancelled. Fifth Third says it is not initiated by them and XXXX XXXX says it's not initiated by them so neither can cancel it. I believe it is Fifth Third that I had it set up with many years ago via a bill pay representative of Fifth Third 's. I have sent emails with statement uploads to both banks with no resolution. I have escalated my phone inquires with both banks- still no resolution. I just want to stop this transfer seems simple but as I said I have tried my best over the years to no avail. 
I hope you can get this resolved for me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Kentucky Higher Education Assistance Authority
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-06-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage transferred my loan to XXXX Mortgage. I called to find out how to discontinue the auto pay i had established with them. I was told that it would automatically be disconnected and no further payments would be automatically collected. So i issued a payment to the new mortgage company which was processed XX/XX/22. Then on XX/XX/22 XXXX took another payment thru auto pay which i never set up with them. I never gave them my checking account info nor permission to automatically take any payments. United wholesale disbursed my personal account information nationstar and they basically used it to steal money from my account that i did not owe them. I believe they both are in violation of using my personal info to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Bank of America which we had deal with for many years charged a large bill on our account. This was XXXX or XX/XX/2021, we disputed the bill and they agreed it was fraud and put it off. Then it was put back on.We contacted them and they agreed and so on. They put it back on. It had charges out of our state. One day a couple of months ago a fellow said he knew we did the charge and refused to send copies or work with us.

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