BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: National Credit Adjusters, LLC
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: Was not notified of investigation status or results

Complaint:
I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern I have XXXX negative old accounts that are closed and written off by the lenders ( XXXX, XXXX credit and XXXX  Collection. I have contacted XXXX and XXXX both XXXX were able to remove all the negatives. pursuit to the following FDCR Law passed by congress. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A.

which help my credit score changed to Good. 

Equifax Declined to help me remove all the negatives. Which affecting me harshly. 
I am told we do things differently in Equifax. XXXX shows as open account and it should be closed. I spoke and emailed my Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime has all my funds locked up and say they cant verify my identity and wont give me my money since XX/XX/2022. Ive provided my ID, mairrage certificate, birth certificate, copy of my apartment, etc. & no matter what I do or how many times I call, they say Im just out of luck. They have {$7400.00} in my checking & {$3100.00} in my savings and $ XXXX in my credit builder accounts that they will not give me access to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I wanted to apply for the loan forgiveness but I was given a forbearance. I've been paying on this loan since 2005. My payments were affordable until they trippled them when my forbearance was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX. The letter advises that I had not cashed my escrow refund check that was mailed on XX/XX/XXXX ( 6 months after we sold the home ). To date I have emailed, called and faxed to no avail. All I get is the typical run around when someone owes you money. They have more excuses than XXXX has XXXX. Its been 3.5 years and this company still hasn't mailed me my refund. I checked with the State of Colorado Treasurers Office to see if Loancare ( Mtg Co ) had turned over the money to them. Nope, not them either.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2022-05-24
Company: Creditors Bureau Associates
State: AZ
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, XXXX XXXX have been dealing with issues with XXXX having a debt collection that was not opened under my name and I have no business with this lender stuck on my XXXX credit report. I have reached out to XXXX and the XXXX LABS on multiple occasions where XXXX doesn't send any investigation results or updates pertaining to this account even after as long as 30 days. I have a FTC complaint # for this case XXXX and I am reaching out to the CFPB as XXXX and XXXX labs are in violation of 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impressions as to its source, authorization, or approval as you XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX  2022-XXXX  2022. They have been using different numbers and different companies in different areas of the United States from house loans, car loans, car insurances, credit cards, and banks and it is getting me very frustrated because no matter how many disputes I file it is not getting solved. I dont know who else to turn too.

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 2023-02-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXXXXXX XXXX Balance Owed : {$290.00}

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 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my home with Bank of America on XX/XX/2022. 
My original mortgage was with them for the past XXXX yrs. Never a late payment, FICO score XXXX, income XXXX plus, no other debt., 0n a XXXX refinance. After months of requesting different documents, while interest rates were rising. I was declined with no logical explanation. I received a text from XXXX XXXX saying they would not approve my loan at BOFA on XX/XX/2022 But XXXX sent me a letter saying my application process had been stopped at MY request which wasn't true. 

He then told me he had friend who could do my loan, XXXX XXXX. That i should contact him not Bank of America

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 monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit 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 explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Genesis FS card services has a complaint filed with the ftc, I reported fraud that this card was used these charges I am disputing I sent them a copy of this ftc identity theft report and reported fraud. Im getting a letter after me calling several times and filing a complaint there trying to put these charges back on me I will not pay for anything I did not use. These charges need to be disputed and taking off or will consider this fraud XXXX have this account closed Im giving XXXX  a chance to make this right i am filing this with the consumer financial protection bureau to correct this issue. Not be blamed, I have made several attempts to call and explain what had happen now please. Dispute every item on this card. And bring it back to XXXX card loan amount or like I said I will close the card XXXX report this as being fraudulent by this company, I am providing the ftc identity th ftc identity theft report and show my information was exposed in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
Hi, I have sent certified letter Credit Acceptance # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into Credit Acceptance as well.

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
on XX/XX/XXXX it was indicated on the XXXX website that TransUnion was preparing a response to my previous complaint. I recieved a letter from Trans Union dated XX/XX/XXXX stating that the information regarding XXXX XXXX  XXXX XXXX # XXXX was verified as accurate. That is unacceptable given the fact that the Court Clerk verified over the phone that they Do Not report to the credit bureaus, also I did not attend any kind of court proceeding in person or by XXXX nor did an attorney retained on my behalf. 

XXXX XXXX XXXX or lack of investigation did not seem to read the part of my dispute when i explained that the three ( 3 ) of the four ( 4 ) bankruptcies on my report were filed in an attempt to stop XXXX XXXX  from foreclosing on my home while i was under modification. this docket # XXXX did not provide any monetary gain whatsoever. the other two ( 2 ) bankruptcies filed in XXXX and XXXX were filed fraudulently by internet companies i was directed to by XXXX which of course were scams and cost me nearly {$1500.00} per scam. 

My home was lost after i was injured on the job in XXXX and left XXXX. I dont see anyone going after XXXX for breaking a federal regulation but i should have to have this garbage on my report making housing options nearly impossible? Bottom line THE BANKRUPTCIES WERE DISMISSED and the number of bankruptcies exceeds the number allowed by law to even have filed. thanks for your investigation it addressed none of the points in the dispute. 

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 2022-07-11
Company: EQUIFAX, INC.
State: NY
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:
I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute with Experian prior to this dispute. I'm giving them another chance to resolve this matter before I file a dispute seeking damages in Federal Court.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}

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 non-monetary relief
Consumer complaint received 2023-07-16
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding my banking history and the inaccurate reporting made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX & XX/XX/XXXX, I became a victim of fraud, where unauthorized transactions were conducted on my account with [ Bank XXXX XXXX XXXX XXXX XXXX XXXX The matter was promptly reported to your institution, and I provided all the necessary documentation and evidence to support my claim. Following the investigation, it was determined that I was wrongfully accused of the fraudulent activities that took place. However, despite the resolution of the fraudulent incident, I have recently discovered that [ XXXX  XXXX XXXX XXXX XXXX XXXX has reported my name to Early Warning XXXX XXXX XXXX XXXX XXXX difficulties in opening a new bank account elsewhere. This has caused me undue stress, financial inconvenience, and the inability to access essential banking services. I kindly request your immediate attention to rectify this matter and ensure that my name is removed from the XXXX XXXX XXXX XXXX XXXX I believe it is essential for your institution to update the inaccurate information provided and issue a formal notification to XXXX XXXX XXXX XXXX requesting the removal of my name from their records. Moreover, I request that you provide me with written confirmation once the necessary actions have been taken to rectify the situation. Additionally, I expect a reasonable timeframe for the resolution of this matter, considering the impact it has had on my financial well-being. I trust that [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX take immediate action to rectify this situation, ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and restoring my financial reputation. Failure to address this matter promptly may leave me no choice but to exercise my rights under the FCRA, including seeking legal remedies available to me. Thank you for your prompt attention to this matter. I look forward to your prompt response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX. XXXX XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower 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