BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXXXXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, 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:
Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the # XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.

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 2023-03-20
Company: Experian Information Solutions 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, Experian and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

Experian : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$540.00} Collection XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

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 2023-03-20
Company: National Credit Adjusters, LLC
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 status incorrect

Complaint:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with National Credit Adjuster. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The case was closed by CFPB with zero resolve the fake opinion by Experian was accepted by CFPB with out the documents to back it up as they admit there information about a bankruptcy i didn't ask for pay for or received a day in court for remains. I did a offer in compromise with the comptroller of XXXX as they have confirmed and by the way to date i haven't received anything from experian on that matter accept it will remain on my report until next year XXXX due to a third party who can not back up there claims with facts or documents as i can! They should contract the comptrollers office and ask what took place in my case but? i guess that's to much like making things right and correct in stead of hanging your hat on some third party and blaming them for all the false info on my credit report as stated in my last comments. That is only half of what i'm trying to do today as i truly expect more long winded reasons that have nothing to do with nothing and they [ experian ] can do what ever they wish without oversight. On XX/XX/XXXX my rating took a XXXX point hit for zero reasons why? no late payment zero credit/debt contact XXXX and up date that while your at it no late payment no collections ect... i took a XXXX point drop when XXXXXXXX XXXX looked at my credit report for a possible home loan back in XXXXXXXX and i assume that's what the 2 point drop was about? and that bring up to a XXXX  point drop from experian W Y H????????????

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/, I sent my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit for reporting fraudulent accounts on my consumer 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: Strategic Alliances, Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 - FFAM360 is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sue this is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not looking for you all to do anything necessarily. I just want to vent and I don't feel like going to the bank 's headquarters would do any good because I feel the local branch 's terrible customer service is a reflection of the overall corporate attitude at this horrible company. Chase Bank is evil. It's an evil company full of evil greedy people. I don't understand how they have been able to get away with everything they've gotten away with. They're too big. The CEO makes too much money. I closed my checking and savings accounts with them a few years ago because they were nickel and diming me to death in fees while simultaneously paying their CEO some obscene SALARY ( not even including bonuses ) even though they received a bailout. And this was before I found out that they were part of the reason XXXX was able to do what he did for so long. And yet as much as I hate them, I still have credit card accounts with them because they're so XXXX huge I can't get away from them completely. The main reason I'm having to deal with them now is because my deceased brother had his checking account with them and I've been trying to close it out forever but they are making it nearly impossible. They are rude, condescending and unhelpful. I hate this bank. I wish the feds would just shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complaint to TRANSUNION about the reported unauthorized inquiries and fraudulent account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Capital Bank advertised to apply for a credit card through a merchant called XXXX XXXX XXXX through a program called XXXX XXXX '' and receive a discount on my order in the same amount as the sales tax I would be charged ( 7 % ). The offer says it can be used immediately upon approval. I applied, was approved with a {$7200.00} credit line, and the card added to my account. However, Comenity Bank kept declining the {$220.00} charge. I contacted the Merchant who said I had to call Comenity Bank ; I called Comenity Bank which said I should call the merchant again ; and then I called the merchant which again directed me back to Comenity Bank. Bottom line is that I was not able to use the card, and but for the false advertisement that I could use the card immediately, I never would have applied. As a result, I now have an unnecessary inquiry on my credit report which can not be removed, and did not receive the {$15.00} discount I was supposed to receive for placing my first order after being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued. 
XXXX XXXX XXXX is still supposed to return a call with an update from WF. She is not answering calls. XXXX Not exactly a customer concern bank. Sad and truue Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

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 2023-03-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a child support collection account on my Experian credit report from XXXX that is XXXX XXXX XXXX and shouldn't even be on my report at all. My child support case was closed and all that remained was arrears. Experian originally had the collection due to fall off in XXXX and it has now been changed to fall off in XXXX. It's older than 10 years and shouldn't even be on my credit report at all. I have tried over and over to dispute it and they won't do anything about it.

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 2023-03-20
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: Problem with fees

Complaint:
im being charged at late fee of XXXX $ since XXXX of XXXX  im also be charged interest XXXX $ i have my payments on auto pay im paying XXXX $ monthly on before the due date. i called them about 2 months ago i asked why am i being charged a late fee honestly i didnt get an answer as to why. i spoke with someone this morning from customer service i explained my situation she actually laughed how unprofessional. my call was transfered i explained my situation once again i stated my concerns about late fees and interest. i was told only 2 could get reversed i stated that im making an honest effort paying XXXX $ a month. how could i be past due while im making payments? At no time was i ever contacted by phone they had the wrong contact info. i was on the phone for an hour going back and forth about my concerns nothing was fixed. this why i have contacted you to step in and help please.

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 2023-03-20
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXX. SXXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.

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 2023-03-20
Company: MOHELA
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 information incorrect

Complaint:
This account was paid off ( all loans paid to XXXX  balance ) through the Public Service Loan Forgiveness ( PSLF ) Program as of XX/XX/XXXX. The account on my credit report is still reflecting total balance owed {$99000.00} and last update was XX/XX/XXXX. I tried calling MOHELA several times to ask about an update to show " PAID OFF '' and " XXXX  Balance owed '' on my report. I was advised to contact annual credit report. This negatively impacting my ability to acquire new loans and/or credit in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief