BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my Equifax report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, Equifax took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: AUTOMOBILE ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
In reference to complaint # XXXX that was closed with no real proof provided. Automobile Acceptance claims to not have been able to even locate the account, then after sending in adl proof they were able to locate it and claim that the information is reporting correctly! Where is my proof of these claims? I am demanding all names and correspondence of who investigated this matter and I will also need the XXXX XXXX for this account, which includes the file, ledger, any and all accounting and transactional history, books of accounting and the ORIGINAL contract. This information that is being furnished by Automobile Acceptance is inaccurate and their negligence into this matter is disheartening. The CFPB should require companies to send verifiable proof regarding claims that are being disputed by federally protected consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 2020-02-02
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: JPMORGAN CHASE & CO.
State: IA
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:
Reporting to Chase as XXXX says to contact Chase and then Chase says to contact the credit bureaus. No one CARES. 

It's been delinquent since XXXX and should be removed per FCRA. It was NEVER brought current. It was sold to another company. 

XXXX is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX  This is shown on the attachment XXXX Chase XXXX In the same attachment, it also shows delinquency started in XXXX. I have disputed this dozens of times with XXXX and they refuse to update anything. They claim everything is verified. " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY '' This is shown on the attachment XXXX XXXX XXXX XXXX took less than 48 hours to review my dispute and I'm requesting that XXXX answers all my questions in the method of verification letter attached named XXXX XXXX-Chase-XXXX XXXX  48 hours seems awfully quick to verify a dispute for something that has ruined my credit report and financial situation for many years. Per the FTC website. https : XXXX Section Delinquent Accounts FCRA 623 ( a ) ( 5 ) ( A ) There are several examples shown under the FCRA that describes my situation. Please review the FTC website I have shown above for clarification. My account became delinquent in early XXXX and was never brought current. Meaning the correct delinquency date is early XXXX and NOT XX/XX/XXXX. XXXX is incorrectly reporting information on my account and also it should be completely removed as it's been 7 years. I have time and time proven this a dozen times over the past years and every single time XXXX doesn't even make an effort to review the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently learned that my credit information was shared on several dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX with XXXX XXXX. I did not request service with XXXX XXXX, nor did I give them the right to initiate a credit inquiry on my behalf. These inquiries are negatively impacting my credit score. 

I called Equifax on XXXX/XXXX/XXXX at XXXX to learn more about these inquiries. I was surprised that Equifax had shared my information without my authorization. After learning they had incorrectly listed my name on my account ( as XXXX XXXX XXXX as opposed to my correct name, XXXX XXXX XXXX XXXX, I grew concerned Equifax had sloppy security protocols and was concerned they were not doing due diligence in protecting my financial information. I asked Equifax to tell me what their requirements were for sharing information with creditors. They refused to tell me both XXXX XXXX what information they require, XXXX XXXX what specific information the asked of the erroneous creditor, XXXX XXXX, before sharing my credit report with said company. 

I was told repeatedly I needed to call XXXX and ask what information they had used to access my credit information. I politely explained, I wanted to understand Equifax 's policies in sharing my information with creditors. I specifically asked, " What information do you require of creditors in order to share my information with them? '' The first staff member I spoke to could not answer. I requested to speak with a XXXX, XXXX, who again to refused to answer my question. Finally I escalated my request to the Equifax 's XXXX of Consumer Affairs. I repeated my question to the managing XXXX, XXXX XXXX. I told her I wanted to know what information Equifax requires of creditors before sharing my personal credit information with them. 

XXXX XXXX refused to provide this information. She said she could only give me the phone number for XXXX XXXX. I told her XXXX XXXX could not answer my question about Equifax policies. She repeatedly refused to tell me the answer to my question. She refused to tell me the name of her supervisor, or let me speak with them. She then hung up on me. 

It is my understanding that, reporting information that one knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. It is concerning to me that Equifax is providing my personal credit information to strangers, without my consent or knowledge, and is unwilling to tell me how or why this has happened. Additionally, the lack of interest Equifax has demonstrated in investigating this error, shows the company takes no responsibility in protecting my information in the future from those who seek to take advantage of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: WA
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 had a Medical Bill on my Credit report that should have been paid by my insurance. I disputed it with all three credit bureaus and XXXX and XXXX took care of it right away through a free service. Experian forced me to pay for their service to get access to the info and then after a long period of dispute refused to remove it from my credit. This is frightening to know that I can be held hostage by a company like this. Side note Experian offers a 1 week free service and conveniently waited till the day after I had to pay to give me my results. End of the day I need to get this of my credit as my bank uses Experian.

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 2022-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed unexpectedly for no reason i had about {$25000.00} in savings and now theres no money left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: FIRST NATIONAL BANK OF OMAHA
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:
On XX/XX/22 I scheduled a payment in the amount of {$340.00} through the online system. The payment was debited from my checking account on XX/XX/22. The payment was never applied to my credit card balance. I contacted First National Bank Omaha to notify them of the discrepancy and on XX/XX/22 I was asked to provide proof of payment from my bank. I faxed the information and did not receive any update or response for two weeks. I called on two separate occasions and each time was notified that the Accounting department is not available because of the time of my call. When I called during Accounting department 's working hours I was informed by the representative that the payment batch is ready and will be applied. The first week of XXXX I received a notice dated XX/XX/22 stating that the misposting of my {$340.00} payment has been corrected and will appear on my next statement. When I received my statement the payment still did not reflect and the inflated balance. On XX/XX/22 I sent a secure message to the bank but still have not received any response. I checked my account online today XX/XX/22 and the payment still has not been applied.

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 2022-07-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Why does XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX label all my requests for a copy of the permissible permission issued to Experian and used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission used to have accessed my credit report in XX/XX/2017. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.

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 2022-01-18
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX that said they had given my debt to someone else even though I dont owe anything. They also stated that they didnt have anything on file saying I owed a debt of {$2500.00} in XXXX I never even leased an apartment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-03-02
Company: Experian Information Solutions 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:
hello and good day. 
u open a account with Experian in open a free account in XXXX. - XXXX of XXXX. 
they have the wrong information on me. my name is XXXX XXXX XXXX. they show XXXX XXXX XXXX XXXX. which is wrong. I called and called and none thing is fixed. they say wait 6 months. for what. they do not know what they are doing, they made this change. I did not. 
they made the change in XXXX. when I was talking to the dispute department they said my name shows as XXXX XXXX XXXX. but when i log in it shows XXXX XXXX XXXX XXXX. showing i have no credit. I wishes I never signed up for an account with them. I am not sure what anyone can do. a company runed very badly.

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 2019-11-26
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection services called me today XX/XX/XXXX and before that they called in late XXXX. I returned their call and spoke with a rep who says they are trying to collect a debt from XXXX that I incurred from XXXX XXXX. I initially did not recall ever having an account with XXXX XXXX seeing as the debt was incorrect around 6 years ago. I do recall having a policy with them but canceling it after they raised my rates after I was a hit and run victim. I do not recall ever owing them any money, or receiving any bills from them. I have never been contacted by them to resolve debt. In fact I recently went shopping for car insurance and received a quote from them they did not say I owed a balance. 
I also filed Chapter XXXX Bankruptcy in XXXX and discharged my debts. I told the woman I spoke with that I did not owe the debt, and I did not recall ever owing XXXX  XXXX. I have read online reports that they are not safe to do business with. I think I also asked them to stop calling me. They have also sent no communication by mail regarding this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Ad Astra Recovery Services Inc
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: LEXISNEXIS
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 sent a online Opt-Out to LexisNexis on XX/XX/2022 @ XXXX and it has been past 30 days according to my consumer right concerning my public records being shown & shared on my reports to the public, also the investigation has not done anything to showing my public record even though it is discharge bankruptcy. This public court record should not be showing on my reports if I opt-out I will upload my proof. 
LEXISNEXIS has not up held my consumer rights and has ignored my Opt-out document and if it continue to be public or shared I will seek legal help and damages. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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: Account status incorrect

Complaint:
I have XXXX student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XXXX/XXXX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XXXX/XXXX/XXXX and taken over by 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 2022-07-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. XX/XX/XXXX : I submitted employment verification to FedLoan for employment at XXXX for period XXXX - XX/XX/XXXX. 2. XX/XX/XXXX : I received an updated count for payments which did not reflect either XXXX as an employer or the period of employment from XXXX - XX/XX/XXXX. 3. Instead, an employer XXXX XXXX XXXX XXXX  ), for which I worked XXXX, was listed a second time for period XX/XX/XXXX - XX/XX/XXXX. 4. I did not work for XXXX XXXX XXXX XXXX. During that Period, I was employed by XXXX XXXX in Pennsylvania. 5. So instead of adding a year of employment history for the period which I was in repayment, which would give me more time towards eligibility for XXXX under the waiver, I was given 1 month. 6. I checked the FedLoan website, was able to see a copy of my employment verification form, and verified that I submitted the form from XXXX correctly. 
Thanks

Company response to consumer: Closed with explanation