BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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:
I have been requesting methods of verification on certain items on my report from XXXX, equifax and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Still reporting Inaccurate Information, disputed letters has been submitted with no actions according to FCRA

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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  XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a XXXX  XXXX XXXX account. great card no issues. However on XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a XXXX XXXX account on my credit file with expierian for a long time now and they have not yet to delete this from my credit file I've submitted documents stating that account is fraud from the account company and they have yet to delete this from my credit I've spoken to XXXX they say the account was closed for fraud other say they are investigating and I don't know hat to believe I know this is not mine and I need it off my report I've never even seen a card from these people it's ridiculous

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/23 I was approached by someone at a retail store frantically needing to borrow my phone to call someone. After they gave my phone back I realized they had access to my bank information and applied for a {$3500.00} loan on my name and my credit got affected from it. My bank has already reported it as fraud and said I should report to any credit bureaus to report it there as well.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account CONSUMER ADJUSTMENT in the amount of {$150.00} and it was taken off of my report. However XXXX AND EXPERIAN are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks

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 2020-04-07
Company: LEXISNEXIS
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:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX XXXX XXXX XXXX, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
these are the inquiries i didnt authorize and are fraudulent on my credit report XXXX  XXXXXXXX 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  only, XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice on XX/XX/XXXX that servicing of my loan would be transferring to a new servicer. The letter is dated XX/XX/XXXX. This was the sole notification I received. The effective date is XX/XX/XXXX. The letter states that my old servicer, Union Home Mortgage will stop accepting payments received XX/XX/XXXX and beyond. I have a payment due XX/XX/XXXX. I attempted to set up a login with the new servicer, Nationstar Mortgage LLC d/b/a Mr. Cooper, with the loan number provided and their online access did not recognize the loan number. Additionally their customer service line wouldn't connect me with a representative because it does not recognize my loan number. I have 1 week to make arrangements to get the payment to the new servicer, with whom I can not set up an online account, and can not reach a representative via their customer service telephone line. They do offer the mailing address for the new loan servicer, but due to security concerns and inconsistencies with XXXX, I do not want to remit payment to them via check by mail, nor does it seem correct to mail a large payment to a company that can not demonstrate to me that they are in possession of my home loan. 

The letter does state " XXXX XXXX law, during the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before it's due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. '' However, this then requires me to make payment on my loan EARLY, by special arrangement to my existing servicer before the loan is fully transferred, assuming the borrower has the funds available. If I make normal payment, it will be rejected by the current servicer per the cutoff date rendered above. The statement does not give a 60 day allowance for late payments to the new servicer due to inability to set up proper payment, and no information or stipulation is mandated to the two servicer to give the borrower to provide sufficient lead times for them to make such arrangements. 

The transfer of loan servicing is obviously done with some financial incentive for the loan companies at the detriment and expense of the borrower. I assume some financial gain is made by the loan companies on either side of the transaction, of which the borrower does not benefit at all. In fact, the transfer is arduous to the borrower, who is left with the administrative burden of setting up a relationship with the new servicer, ensuring payments are made on time, ensuring insurance companies have been properly notified, and in the following year additional tax forms to cover the entire year from both loan servicing companies. They are also solely held responsible for the consequences of late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Multiple harassing calls from a XXXX number about a debt not related to me. Called, told them to take my phone number off because the debt is not me, proceeded to argue with me, telling me I was lying, then cussed in XXXX, once I threatened to report their harassing behavior, I was hung up on, called again and was told that thy werent going to take my phone number off and hung up again. I dont know whats wrong with these people but I may have to get a new phone number because they are calling multiple times a day when I told them I dont have anything to with the debt and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my car to XXXX for XXXX $ I didnt have a checking account at the time so I just deposit it in my girlfriends account there was a hold for 7 days then they released the funds the same day they closed the account I already walked in the branch ( Chase ) and they verified my identity in person but when they call which they have to its there policy to verify my number they say they cant verify that number I already connected 3 phones and each number its the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A credit card ( XXXX XXXX ) contacted me by phone and by letter to let me know they were sorry about my recent death. I called the phone number on my credit card on XX/XX/XXXX. I was told that one of the credit reporting agencies had given me a credit score of XXXX. Apparently, when you have actually died, your credit score goes to a score of XXXX. At the suggestion of XXXX XXXX, I initiated a credit freeze on my three credit reports and requested that all three credit reporting agencies send me complete credit reports. One of the three had what appeared to be all correct personal information. Transunion has included information about my previous wife, who actually has been deceased 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial " XXXX '' Her first name was " XXXX '' with middle initial " XXXX '' When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed two variations of her name, " XXXX XXXX '' and " 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was defrauded and Citibank closed my accounts and refuse to give me answers when I explained that my was defrauded but they are requesting the money bank and I was scammed

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-04
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: Report provided to employer without your written authorization

Complaint:
It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker of my personal 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 2017-08-19
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation