BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
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: Account information incorrect

Complaint:
Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report account late after being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California XXXX XXXX XXXX XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX TransUnion : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : XXXX XXXX CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : Federal, date filed XX/XX/2013, reference # XXXX See attachment

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 2019-12-15
Company: Navient Solutions, LLC.
State: FL
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:
Previously, I had filed a complaint In reference to the university, and navient /sallie Mae . 
I still have not received any documentation showing, where I had needed, requested and signed for any loans. 
I originally stated that I did not need any loans, I did not request any loans, and I did not sign for any loans. 
I did not sign any promissory letters. 
It is amazing how all these organizations are avoiding that topic. They also fail to provide any contracts with signatures, that they say they have. I would really love to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-04-23
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I opened this account I told them that I was wire transferring the money that I had from my XXXX  XXXX XXXX account thier account and they never informed me that they where going to put a hold on the funds so I completed the transaction and they have a hold on it know and it still has a hold still on it untill the XXXX they are telling me. The wire transfer happened on the XXXX. They got the money out then is thier any way you can help me with this? On top of that they have even placed a lock on my account and I can't view it online. They told me that it would take 24 to 48 hours for them to take the lock off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The lenders were switched and I was not notified to be able to make the first payment on time. I did not realize the lenders were switched until the late hit my credit report. The late is effecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took out 3-4 consecutive payday loans at Check Into Cash in XXXX XXXX . She says I owe her a payday loan amount from past after I stopped requesting more loans. It's not possible to owe from past cuz if I don't pay off owed money, I wouldn't have been able to continue borrowing. They keep trying to deduct automatic from my XXXX XXXX account {$300.00}. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ive been victim of identity theft.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 





1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Company: Upgrade, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Do United States treasury department on behalf oXXXX social Security deposited my check on XX/XX/2022. They refuse to disperse my funds as has been done the 12 years I have been on disability and they are keeping the money to either make money off of holding it in interest or something because their operators are all telling me different stories, one of them told me it would be available by XXXX XXXX today ( XX/XX/2022 ) and another one told me something else, another one told me something else.and someone on XXXX told me one thing and someone else on XXXX told me into it so theyre all lying and theyre keeping my Social Security XXXX not giving it to me on time even though its in their system and its already been paid by the treasury and theyre lying to me about where it is and now theyre trying to tell me theyre going to keep it longer. I have never received it this late in 12 years never. I can not pay my bills I can not get my medication I can not eat they are keeping me from life-saving medication as we speak I am in bed unable to function. I always receive my Social Security by the XXXX at the latest they received it on the XXXX and they are keeping it for their own gains while I lie here XXXX and suffering with no medication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 USC 1681. In addition to wrong amounts on each credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX self reported XXXX has violated my rights, and has continuously harassed me over the phone. each credit report has different amounts. 15USC 1681 section 602 A states I have a right to privacy. 15USC 1681 section 604A it states a consumer reporting agency can not furnish a account without written instructions. 15USC 1681c. ( ca ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I made a balance transfer to an Elan financial Services credit card with a XXXX percent promotional rate for XXXX months. I do not typically use the card for day to day use. in XX/XX/XXXX I made a charitable donation for {$20.00}. XXXX days later on XX/XX/XXXX, the company assessed a {$1.00} fee for minimum interest on the {$20.00} donation - 5 % interest or 60 % annualized interest for the same billing cycle. My current purchase APY is 18.24 % as noted on my statement. On XX/XX/XXXX I contacted the company to inquire about the charge and the woman on the phone insisted this is their standard practice. I have never been charged interest within the same billing cycle, never mind XXXX the stated rate.

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 2019-12-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In mid XXXX 2019 I changed my name legally at the XXXX courthouse. Im XXXX, and it is to some extent a matter of personal safety to be able to use the right name on official and legal documents. A few months later I moved to a new apartment and the electric company required a credit check with Equifax to set up my electric. They told me Equifax would not release my report to them. I was able to find a work around by getting them to request my report using my old name, but it wasnt great and had some consequences. Now a few months later I need to access my report because I am trying to pay off some debts and also need to submit it for licensing purposes. I tried to use XXXX  to try to access all three reports, but they told me they were not able to access all of them. They said Equifax had put flags on my report or something. They recommended i call Equifax. I just tried calling equifax to explain the problem. First off, they XXXX  me the entire time which made the experience extremely distressful, even after I told them my new name which is clearly XXXX. Second, they said I had to buy a report in order to change my information. Then after I had bought it, they said they couldnt change the information. They said I would have to FAX them my social security card, birth certificate and all of this other information. Which is frankly XXXX. I dont even know where I would go to find a fax machine. And I dont want to have to send them all that stuff. And so now Im just XXXX I guess. Like am I just going to have to use my dead name forever with them??? Ugh. Anyway ... Yeah. Tl ; dr Equifax is XXXX   and exploitative and needs to get its XXXX together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-01-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I called XXXX demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Company: Experian Information Solutions 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:
In Accordance with Fair Credit Reporting Act XXXX XXXX account # 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 an 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 non-monetary relief
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Fairway Independent Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX, I was granted a forbearance plan by my mortgage lender, Fairway Mortgage Corporation. This was in response to my inability to maintain my flex modification granted by the company in late XXXX. I had previously lost my job and faced a few large expenses. Fairway  allowed a six month forbearance that expired in XX/XX/XXXX. At this time, I was told that I was unable to make any partial payments to reduce my overdue balance, and that I could apply for a new modification, which I did. 

In XX/XX/XXXX, my relationship manager, XXXX XXXX, began requesting various documents from me to understand my hardship, as well as a formal application for the modification, which I submitted. Over the next seven months, through today, XX/XX/XXXX, XXXX occasionally asked me for documents such as paystubs, bank statements, bills from large expenses, and a separation letter from the employer where I lost my job. XXXX was sometimes very delinquent in responding to my emails, while I was prompt in giving her the requested information. At one point in XX/XX/XXXX, she asked me to reapply for the same modification, giving no reason for it, and basically making the previous months ' worth of documentation irrelevant. On XX/XX/XXXX, XXXX emailed me saying that Fairway can approve me for a new flex modification, I accepted, and she said they would get started working on it. On XX/XX/XXXX, I received an email from XXXX saying this was not the case, and that she actually intended to say it was still under review, and that as of XX/XX/XXXX it was denied. The denial reason given was because my original flex modification payments from XXXX had fallen behind by more than 60 days, and that my only options were making a one time payment of the balance, nearly {$20000.00}, or liquidation. 

During this seven months, Fairway did not allow me to make any partial payments, and instead forced me to wait for a decision, one that took seven months. My overdue balance went from around {$11000.00} in XX/XX/XXXX to nearly {$20000.00} in XX/XX/XXXX, making this an impossible option. Again, during that time, Fairway would not allow me to partially reduce the balance. Also during this time, I could not reach the loss mitigation department over the phone, only being promised callbacks within 5-7 business days, which usually never came. There was never a supervisor available either. The only representatives available said they could not handle my loan, and were often just in the collections department. 

I am now left with two unacceptable options, and this is because of the lack of accountability for my relationship manager, XXXX XXXX and Fairway 's policies overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already contacted me about most of these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX   system that does not even contain my reasons for the dispute is not reasonable.

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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, my bank account was completely emptied to offset a negative balance in my brothers bank account even though our accounts aren't connected or linked. Chase bank rationalized this action by saying since my mother co-signed both my account and his account, her signature was enough of a connecting factor for them to do that. I tried explaining that the money they took was a loan disbursement from my veterinary school that Im given to live off of but they still cited they were justified in taking the money.

Company response to consumer: Closed with explanation