BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-04-16
Company: Experian Information Solutions Inc.
State: NC
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 been disputing this bill for over a year. I have asked on several occasions for Experian to provide validation of how they verified the account belongs to me. I have not been provided any proof. Also the credit bureau gave the collector my current home address and I was only mailed a bill and threatened to be sued if I do not pay. This is not my bill did not sign any contracts for this account and have not been provided any information proving this is my account. This has caused my credit score to be low and unable to obtain credit.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX SUBJECT : REQUEST TO ADD MISSING XXXX XXXX ACCOUNT TO EQUIFAX REPORT Dear Equifax Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with Equifax. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my Equifax report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : _ Date Opened : XX/XX/2013 Account Status : Open I would like to kindly request that you investigate this matter and include the account in my Equifax credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my Equifax credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that Equifax will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: ID Analytics, 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:
I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. 

I've also left 2 messages since sending the letter with not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
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:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX  should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

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 2019-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/ Experian I request the proof of Accuracy of your reporting on this account, Please show documentation that I paid this account it is over the 7 years limits and you reaged this account by stating it was paid in XX/XX/2015 needs removed at once this is credit reporting manipulation

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 2018-10-05
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my 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 2020-04-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX I sent payments to an individual through XXXX in my JP Morgan Chase Bank account app. I never received the item or a tracking number indicating that the item had been sent and the seller stopped communicating. I also received a notice through the website the ad I was responding to had been flagged as a scam. When I sent the payment, I did receive a warning to not to send money to people you don't know. Unfortunately, I believed the seller 's legitimacy and identity had been independently verified through a third party, only to find out after I sent the payments that the third party hadn't actually received the confirmations yet. 

I contacted Chase to report the issue, and see if they could reverse the payment or help me recover my money. First, it took me two days to even contact someone that could even answer my questions/ deal with this issue. This is when I discovered that even though Chase integrated XXXX into my bank accounts and banking applications, XXXX is actually a separate business not directly connected to Chase. This was not disclosed to me in any obvious fashion when I went to use XXXX for the first time for this incident. A big part of the reason I was comfortable sending the payment was the false sense of security that the funds were being sent through Chase bank and therefore would be traceable, recoverable or be otherwise disputable. I basically thought that this was a form of payment similar to using my debit card. I also thought that with XXXX being part of Chase ( as I thought at the time ) that the the seller would also have to have an account with Chase, further enhancing the ability to recover the funds in case of fraud/scam. 

Upon further research after the fact, I discovered that XXXX is a favorite tool of scammers because of the fact that people don't understand the true nature of their relationship with banks and because people trust that transactions through their bank are safe. Also there is no way to trace funds because XXXX acts as a firewall beyond which the bank can't see where the funds go. This has been a known issue for years as a simple XXXX search turns up news articles about this issue from as far back as 2018. 

When I contacted XXXX on the advice of my bank, they basically told me " too bad so sad '' and that I should deal with my bank. There wasnt even a way to report fraud with XXXX. When I finally reached a customer service rep, she said they would investigate the issue and if they found evidence of fraud they would shutdown the users account. When I asked if they wanted evidence of texts, emails and witnesses, they said No and that it had to be evidence in their system. In other words they probably wont even shutdown the scammers account. They didnt even offer to make a police report or try to help me recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge was made on my account after I told them to block all charges. 
there was an alternate credit card number to be used on file on Amazon.com, but Amazon chose to charge my Amazon store credit card instead.

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 2022-03-08
Company: EQUIFAX, INC.
State: LA
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:
since XX/XX/2021 I have been trying to get equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being disputed Collections XXXX & XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXXXXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: The Outsource Group, 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 information incorrect

Complaint:
XXXX  XXXX XXXX did not charge my 3rd insurance and sent me to collections without collecting from insurance. I have contacted them multiple times. Medicredit is reporting the debt to my credit and it is incorrectbecause it wa=s never charged to 3rd insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
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:
I am a victim of extreme identity theft reported, numerous times. 
A Chase Visa card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact Chase Bank to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
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: Old information reappears or never goes away

Complaint:
The following accounts are all fraudulent, has previously been deleted from my credit report by Equifax countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, MN XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Paid off credit card # XXXX on XX/XX/2023 for XXXX Credit card got shut down even though I was in good standing. 

Paid off second credit card for {$360.00} on XX/XX/2023 and they closed that card also. 

There was the third credit card XXXX that bounced even though I paid that one off and had sufficient funds on XX/XX/2023. It was bounced on XX/XX/2023, even though I had thousands in my bank account. They shut down all three of my cards because of one bounced card that was paid off. Ive been in good standing for all three, yet they decided to shut down three of my cards without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received my XXXX statement via US mail showing the account delinquent with no payment posted to my account with a late fee. I did not receive any notification prior to this that the payment was not posted. {$1200.00} XXXX Payment. Late XX/XX/2020 at XXXX XXXX I called Loancare and they stated that no payment was received and a late fee ( {$43.00} ) was asset and delinquent reporting to the credit bureaus. I sent the documentation as the payments has been paid through auto pay since they assumed the loan. A ticket was created and and 7 days passed with no follow up or correction. 

I called again XX/XX/2020 XXXX XXXX which I was hung up on with no call back. I called again at XXXX hours and spoke to another call taker and advised her of the situation. She stated the ticket was closed with nothing changed and she was not showing the XXXX ( {$1200.00} ) or XXXX ( {$1200.00} ) payments. Further she verified the negative reporting to the credit bureaus. 

I filled another appeal with more documentation that LoanCare received funds from my account and did not apply them. I have not received any phone calls, emails or US mail of this situation. 

No notification of the XXXX late payment were received by me as required by law. My credit and loan accounts have been negatively affected unjustly. 

My payments need to be applied to my account to make it current and all negative information sent to the credit bureaus needs to be rescinded and removed immediately.

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 2022-05-13
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Having Trouble paying off this loan, Not being able to make my Rent on Time and having nothing left for Groceries for my family of XXXX let alone gas to get back and forth to work this is now XXXX payments in of XXXX That is well over what we borrowed of XXXX They have now collected XXXX I need them to stop taking money from me and my family its hard as it is with them charging such a HIGHER than normal interest rate telling me that it is going to total out to be XXXX on a XXXX loan that is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief