BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: AZ
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:
My husband and I were under the Pandemic Relief Plan- Government with the mortgage company. In XX/XX/2022, we contacted XXXX XXXX because a remark from them was in our credit report saying that we didn't make payments. Mortgage companies weren't allowed to report customers that were under Pandemic Relief, however, they explained that they need to report that the balance went up. This reduced our credit score, and we couldn't do anything. We resumed our payments since XX/XX/2022 making payments every month. on XXXX XXXX, they reported a remark and all credit bureaus bring an average of XXXX points down to our credit again. We work really hard to have a healthy credit score and Mortgage companies can't make mistakes because for a customer is not correct and represent financial burdens, plus this types of remarks will stay in the records for 7 years.

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 2020-03-27
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX  Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX  and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
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: Problem getting your free annual credit report

Complaint:
I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MS
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:
Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX  : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXXXXXX XXXX : # XXXX : FRAUD : IDTHEFT XXXX XXXX : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XXXX XXXX, XXXX I have repeatedly asked Equifax , XXXX, and XXXX to remove an item on my credit report that was caused by an authorized user back in XXXX. The above agencies keep telling me that the reporting is accurate and refuse to remove XXXX XXXX XXXX account number XXXX as an item that does not belong to me. 
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX and asked them as a Good Will gesture to remove this item so that I could purchase a car. 
I received a letter from XXXX XXXX XXXX asking me to call them. I called them this morning, XXXX XXXX, XXXX and spoke to XXXX then manager XXXX at XXXX. I was told that they had to accurately report MY credit and that they could not remove said item from XXXX, XXXX or Equifax. I quote to them that they were in violation of Section 1681n and Section 1681o of the Fair Credit Reporting Act. ( This is not my account ). 

I was refused a good will gesture because I was the primary on another account that was linked to this card. I was never on this bank card and should not be penalized for something that I did not do. I am including copy of that letter, copy of credit bureau update, and copy of my fourth letter to all agencies asking them to remove said item from all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good Morning : My name is XXXX XXXX. On XX/XX/2020 I went into my Chase Amazon Prime Credit Card account to set up payment arrangements due to me falling ill and being in treatment for over 3 months. As this caused a serious financial strain on me and I was awaiting my XXXX XXXX XXXX benefits when the account was closed on me and I had not received any notice of this action. Upon accepting the payment plan options offered on their website, I had agreed to the payment plan they suggested via their website in the amount of {$100.00} dollars for the next three months.The first of these payments was made on XX/XX/2020. Please see attached screen shots of this agreement. Then on the morning of XX/XX/XXXX we had an automatic payment transaction in the amount of {$1800.00} taken from our XXXX  checking account from Chase bank. 

I called my bank XXXX  to place a stop request and they said all they could do was put an alert and file a complaint on my behalf and they recommended that I call Chase. 

As per what my bank XXXX  recommended ; I called Chase and asked them why they did a full balance automatic payment when I had entered into a payment plan with them earlier in the month. Chase answered me by transferring me to a supervisor. The Supervisor said that because my Acct had been closed that I would have to wait till transaction cleared and call back on XX/XX/XXXX. I asked again then what about my payment plan of {$100.00}? Chase 's reply was that they could call my bank but due to the current pandemic situation they could not do that right now. They also said that my automatic payment was ON and selected as PAY BALANCE IN FULL and even though I had entered into a payment arrangement thats why it happened. 

Please see the included pictures and I ask that someone assist me with this. Iam now seriously negative in my bank account, incurring fees and all my other payments will either be paid and also incur bank fees and Chase was the culprit. 

I have no money, no way to buy anything in this horrible sitution we are all living in right now. 

My Chase Credit Card account is/was : XXXX XXXX XXXX XXXX exp : XX/XX/XXXX I finally request for your prompt assistance in this horrible financial situation. 

Thank you for your efforts in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: MN
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:
The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : SYNCB/AMAZON XXXX XXXX Date of Inquiry : XX/XX/XXXX and XXXX, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize Synchrony Bank or XXXX to pull my XXXX credit 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 non-monetary relief
Consumer complaint received 2017-05-24
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: Information belongs to someone else

Complaint:
With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, Transunion and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You

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 2017-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax is charging me monthly for two accounts that I have repeatably requested to cancel. When I call into Equifax they say that they have cancelled the accounts, however I continue to be billed for these accounts. When I request a refund they tell me that they do not have a refund policy and that I have to wait an indefinite amount of time for an investigation. I am fed up with this and this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MS
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 in the filing of this complaint and this complaint has not been made.

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 2022-09-06
Company: EQUIFAX, INC.
State: AZ
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 have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and Equifax to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Unlimited Progress Corp
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
called creditors discount auditors ( XXXX ) to have company commit to and was agreed to combine accounts and i would start to make payments on combined account, they did not do so and reported each account on my credit report as a separate account that is not being paid, no payments have been submitted to the credit report as being paid and no balances have decreased after making payment of over {$480.00} then they started to call me to make payments that i am already making,

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