BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
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 believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please 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 explanation
Consumer complaint received 2018-09-08
Company: DISCOVER BANK
State: OH
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:
I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my Equifax report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This loan was for training at XXXX XXXX XXXX out of XXXX XXXX fl they filed for bk and out of business i had no job and no income and no credit my dad just got done with a XXXX and the debt was discharged. The loan was reported as closed and current now all the old reporting is gone they have me as a signer and 60 days delinquent. I have received nothing from wells fargo they just go start reporting incorrect information and screwing my credit score because of there incarcerate reporting

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 2023-03-18
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Me and my ex-wife went to the car dealer and the salesman said that all I had to do was called finance company and have my ex-wife put on the loan so she can be authorized to the account because the car was for her I've never had a major purchase like that and I didn't know I was naive to the fact when she didn't make her payments they came and took the car at which at the time the finance company knew that I was no longer living in New York with her my divorce was final XX/XX/2019 now this car is on my credit report they got their car back and I want to know what can be done about the situation. The salesman lied and now I'm being penalized for it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
JP Morgan Chase in XX/XX/XXXX recorded an assignment, a false conveyance to XXXX XXXX trustee to XXXX XXXX Trust XXXX placed in my land County records. ( see attachments ) XXXX XXXX and XXXX XXXX remic Securities have been in compliance and Silent with Chase and XXXX XXXX Trustee unfair and wrongful egregious acts. A summary judgment was entered on XX/XX/XXXX and a final Judgment of foreclosure and sale signed on XX/XX/XXXX.This was done by the way of deception and misrepresentation. A sale is schedule for XX/XX/XXXX. I have contact XXXX XXXX overtime and recently on XX/XX/XXXX I have sent them a request asking for XXXX XXXX XXXX XXXX to answer some of my claims. Emails were sent to XXXX and XXXX at consumer contact center loan delivery and operation services support team from XXXX XXXX XXXX inquiries. Since then I have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This concerns XXXX-XXXX .This is my response to their response.Webster bank lie. 
The transfer were on XX/XX/2020, not on XX/XX/2020 like they told.It means that i was on time.They took late fee {$29.00} for this.I do not agree with their decision.They have cheated on my.Dear CFPB please see download from my account.

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 2023-09-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting 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:
Navy Federal Credit Union has not reported my auto loan to XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX XXXX XX/XX/1983 phone number XXXX home address XXXX XXXX XXXX XXXX Unit A XXXX XXXX CA XXXX email address XXXX or XXXX or XXXX last of my SSN XXXX so I have been having this issue for years now I have called before to the credit bureau to try to get all of the inquiries off my report because it wasn't me I have dispute over and over and it's still showing in my credit report I still live with my parents home I have lived at the same location for years I don't play rent I don't have a car never had one I don't have any credit cards or a bank account only a prepaid account I would like to be able to move out of my parents home and be able to get my own place but it has been different because I have no credit or should I say bed credit low credit score this has been a problem for me not be able to get any loans or anything I have report id theft because someone has been using my information this why I have filled a police report online I have every proof I do believe I know the person who has been using my information with out authorization

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring your attention that my credit file contains accounts with no historical reporting data. Under to 15 U.S. Code 1681i Compliance protocol, these accounts must be removed from my report without delay.

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 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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:
1.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 : Listed below are the Accounts that are being challenged XXXX - XXXX DOE XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Upgrade, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a Rewards Checking account with Upgrade. I requested it to be closed on or before XXXX. The rep told me at that time in XXXX it would close after 30 days of a XXXX balance. I was not comfortable with that but accepted it as their policy at that time. I double checked today in online banking and the checking account still is showing active. I called XXXX customer service today - XXXX. The rep said my checking account was closed on officially XXXX but will remain active online for 2 years!! The rep said I was sent an email on XXXX to inform me of my account being closed and I am unable to find an email from them. I am not comfortable with this account still open and active. What if scammers or fraudsters get a hold of it and go crazy when I think it's been closed already?! I have now requested this account to be closed twice and it still is not completely closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from a procedure that was approved to be paid for in full by insurance at the time. Debt collector came back after 2 years and claimed I owed the money. There was never any acknowledgement of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions 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 believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please 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 2020-02-19
Company: CL Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I contacted Jefferson Capital Systems and was told the account would be removed from my credit report. This collection account has damaged my credit rating, preventing me from obtaining a home loan. I would like this resolved immediately, as this is a FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between the last XXXX years XXXX have been charged fees when using XXXX and/or XXXX when using money per XXXX accounts.

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 2023-04-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services is attempting to collect a debt for the amount of {$930.00} and has reported a collection on my credit report causing me to not be able to qualify for a property I was in the process of acquiring. 
I spoke to them letting them know the information they have is incorrect, as they have the wrong birthdate listed for me, but they insist that the debt belongs to me, when it clearly doesn't. the original debt is owed for an Ambulance service in 2018, I have never been to a hospital and have never been in an ambulance. 
Phoenix Financial Services asked me to file a police report, but the police said they can't file a report since I have not made any payments on the debt. 
All this is costing me time off from my work which means money, and causing a lot of stress since I can't not qualify for any properties for me to live, and I need to find a new place to live since I am new in the area after relocating from another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ACIMA CREDIT, LLC
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 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. The XXXX Credit Bureau is reporting inaccurate information on ACIMA XXXX XXXX XXXX - Account Number : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I write in response to an urgent matter pertaining to my Citibank checking account # XXXX. I reported two fraudulent transactions made last year using my old debit card and was made aware recently when I called customer service that the agent did not file the correct type of dispute, thus why I did not receive any refund to my account. The two charges are from XXXX for {$1700.00} and {$970.00} respectively. As of todays date, Ive received no credit adjustments to my account for those charges. 

Today, for no reason whatsoever after I followed up on the status of the dispute, my debit card was locked and Im unable to login to my account. I do not understand why Citibank so heavily relies on outsourced customer service agents. Citibank can afford to pay customer service agents here in the United States to assist customers. There is clearly a language barrier with many of your overseas customer service representatives in the XXXX and XXXX. 

Now I have no access to my account, its the weekend and this is how Citibank treats its customers during a pandemic of all times. Please have someone call me at XXXX as soon as possible. 

If my matter is not resolved i will file a lawsuit in small claims court and redress my damages!

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 2023-06-03
Company: WELLS FARGO & COMPANY
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
As of XXXX {$11000.00} has been written off by Wells Fargo XXXX selling account numbers to 3rd party debt collectors with out my written consent resulting the {$11000.00} paid of charged off no debt is owed

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