BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by XXXX, Equifax, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX  XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH TRANSUNION LLC XXXX XXXX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE 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 non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-02-05
Company: U.S. BANCORP
State: WI
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:
Opened account in XX/XX/XXXX. With {$1000.00} in purchases over 3 months we were to receive a {$200.00} bonus. Over 2 months we spent {$3000.00}. The account was closed in XX/XX/XXXX with no explanation and the {$200.00} bonus was not paid.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: MD
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 to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-06-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My landlord is in violation of the CDC order by trying to evict me and my XXXX husband who had a XXXX and can not handle this XXXX. He could possibly have another XXXX that could possible be fatal this time. We are going through the courts and I have sent a signed CDC declaration to the court and my landlords. My landlords and their attorney have tried using self-help eviction tactics of harassment which is illegal. I want them to the max in damages in small claims court. I would also like to file a complaint against the landlords lawyer if who is also trying to collect money from this court battle. We are constantly being harassed and threatened by the owners coming by and stalking us, sending the wife 's sister by who broke the front door glass window in which I called the police and they couldn't do anything about it because it was already in a civil court. This incident sent my husband to the hospital with a XXXX XXXX of XXXX which could have caused another XXXX or XXXX We have been sending the rent per to the order of the court and the owners and their lawyer is making it difficult for us to pay requesting a huge amount of money that they know we can not afford. The courts are not honoring the Moratorium therefore, we shouldnt have had to pay at all and the courts should have known this. My attorneys quit on me because they kept charging me more and more during the Moratorium and now I am dealing with the courts via Pro Se and the courts know I have tried my best to keep up with rent while also seeking government rental assistance with the Texas Rent Release Program which is all included on the declaration that I signed. I would like to take them to a higher court verses an eviction court that I'm acting as Pro Se. We are scheduled to receive a " Emergency Writ of Possession '' sometime this week or the next week. 
I would also request a jury trial if I lose in the first court. If need be I have all the necessary documents including a doctors statement to submit to prove my case. This has been ongoing since XX/XX/2020 to date.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans were automatically transferred into the 'SAVE ' Income Based Repayment Plan from the 'REPAYE ' Income based repayment plan by Nelnet. The updated monthly payment number provided by them was almost double what the student loan calculator and my student loan planner estimated. So a new IBR application was created by me in XX/XX/XXXX. Several weeks went by without hearing anything from my student loan service provider. I contacted them and they said that they needed updated financial information from both me and my wife. I asked why I wasnt contacted by them directly to provide the information and they didn't have an answer. The information they asked for was provided on XX/XX/XXXX ( 1040 Tax forms for my wife and I ). I didn't receive any correspondence from them up until today, XX/XX/XXXX, in the form of an email saying that my application has been approved. When logging into Nelnet my estimated monthly payment responsibility INCREASED from $ XXXX to ~ $ XXXX. I immediately called the customer service phone number and was on hold for 1hr and 51minutes before a representative was able to help me. The representative told me that the estimated monthly number is high because they didn't include my wifes student loan burden into my calculation. When asked why, they responded that it's because I marked off on the application that we plan to file taxes separately. The Nelnet provider incorrectly advised me to resubmit a new application specifying that my wife and I plan to file JOINTLY in order to have her student loan date incorporated into my monthly calculation. Nelnet told me that the only way they will include my wifes loan data into my calculation is if I specify that we plan to file joint taxes. This was incorrect information provided by Nelnet. The SAVE plan allows married borrowers to file separately and I shouldn't have to submit a new application. Nelnet needs to calculate my monthly payment based on BOTH my wife and I 's student loan burden which will ultimately decrease my monthly payments significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are reporting incorrect payment information for account POSSIBLE FINANCIAL INC XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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: Reporting company used your report improperly

Complaint:
I am writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, 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 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX account # 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 XXXXXXXX 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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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, XXXX XXXX  Accounts # XXXX, XXXX, XXXX, Bank of America account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-05-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to save my home for the past 6 months now with PHH Mortgage. They have refused to review my account for a modification. I have been sending in documentation including Bank Statements, Pay Stubs, Tax returns, Letters of explanations, etc for SIX MONTHS. I have never been able to speak with my Account Manager, and neither has my 3rd party representative. I want it to be known that this company is discriminating against me due to my native language, which is XXXX All of the documents I signed when I bought my home are in XXXX. My bank account statements are in XXXX, because that is what I read and write. PHH is now saying that they need me to send in my bank statements in English. They are trying to tell me that there is not 1 XXXX  speaker in the entirety of the PHH Mortgage corporation. How am I supposed to get anywhere with keeping my home if there is not someone who can communicate with me or that I can communicate with on behalf of my home. If this information was relayed to me when [ purchasing my home, I would never have chosen PHH as my servicer. As a XXXX man in XXXX, I have been rejected help regarding my mortgage because this company refuses to review me for a modification based on my XXXX and XXXX. I would like to be reviewed for a modification right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have 2 fraudulent atm transactions on my Chase debit card. I filed a claim and it was denied. The reason they gave me is that the PIN was never entered incorrectly. What does that have to do with anything? So whoever stole my PIN number typed it in correctly. BIG DEAL!!! That has no bearing on my claim. They also they denied me because the account was open less than 30 days ago. Again, what does that have to do with the fact that my card and PIN was stolen? The third reason they said I was denied is that there are charges after the ones I disputed that I did not dispute. That is completely false. There are no charges after the 2 fraudulent ATM transactions in my dispute. There is an ATM charge from Chase but thats all. The 2 transactions in my dispute are both for {$500.00}. One is on XX/XX/XXXX and the other is on XX/XX/XXXX. There are no other transactions after that. If there were then I would dispute those as well. The only thing other than the fraudulent ATM transactions is the atm fees. They should be reimbursed as well. I cant believe a bank as big as Chase could have such a poorly executed fraud investigation. The transactions werent mine, so honor your zero liability policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation