BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!

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 2023-04-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my right under 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 als
o stated a Consumer Reporting Agency can not furnish a account without my written Instructions.

Also the Credit Bureaus took more than 30 days to complete my Investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone number called me several times a day over a period of weeks but i never answered and when I finally did, there was no mention that they were a debt collector. I asked her what 'portfolio recovery does and why they keep calling me ' and she refused to answer unless I confirmed my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
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:
I am writing to address a matter that has been pending since my initial contact via mail and subsequent complaints filed with the CFPB. Regrettably, despite the passage of several months, I have yet to receive the anticipated resolution from your department regarding the misleading and inaccurate entry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
UPDATE -- THIS IS REVISED COMPLAINT -  XXXX  Subsequent to my filing the first complaint, there are  2 n ew facts.     Previous complaint -- I have  XXXX   Capital One  credit cards. We transferred {$11000.00} to the older card, called  Capital One t o state it was in error. We then transferred same amount to  Venture Card . Capit al One ca lled use about a fraud alert and somehow both cards kept this transfer. We paid off  Venture but Older Capital One has charged us {$210.00} interest on this amount and inte rest is still accruing. We have paid off the other charges on time in full.     Today,  XXXX  provided a letter that states that  Capital One ref used a {$11000.00} wire on   XXXX   XXXX  , and has not cashed a certified check sent on   XXXX   XXXX  .  Capital One provided the wrong address evidently but the venue that received the check has not forwarded the check internally.      We have spent hours trying to get this resolved.     Today a supervisor told me that they could not waive the interest even though they have refused  2  payments prior to the first payment deadline after which they charged us this interest.     We have asked  XXXX  to cancel the check and deposit such funds in our   XXXX    checking account and then pay the e Capital One  Card. This was not rocket science to fix. I dont get it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact XXXX foe this matter and no response.

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 2023-06-15
Company: EQUIFAX, 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:
Equifax, XXXX and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an old XXXX from Simmons Bank that I haven't touched for years. Over the years, I've tried to login or call to manage the account, but it has been so difficult that I've given up. I think the difficulty is intentional, because every month the company charges me {$3.00} to send me a paper statement, which I never wanted. Every month they also charge me {$3.00} as a " service charge ; '' my other XXXX  don't have such a charge. Lately they've also been charging me a {$10.00} " dormant account '' fee. Over the years, they've bled a {$700.00} account down to zero. This is supposed to be a savings vehicle, but Simmons Bank has used excessive fees to take all my money. 

Now I'm trying to figure out how to close the account, so that they don't start charging me money! I figured out how to login to the online portal, but there were no options to close my account, make it non-dormant, or even request the paper statements to stop. They list a phone number for help. When I called, none of the options were about XXXX. When I tried to get to an operator, the menu options circled around to the initial menu. I can't figure out how to close this account, and get this nightmare to end.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXXXXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX TransUnion, XXXX  and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a transfer from my wifes account into mine. And it was posted as fraud so wells fargo is charging me the money back whenever it was legally sent toy account by my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XX/XX/XXXX, My son, XXXX XXXX, XXXX XXXX XXXX, and I purchased a townhouse located in XXXX, VA, XXXX with a loan from XXXX XXXX XXXX. I put down 20 % and XXXX XXXX provided the 80 % as loan. This loan was later purchased by Chase. On XX/XX/XXXX, XXXX XXXX and I, ( known as Buyers ), submitted an application to assume loan for the property with the purpose of relieving XXXX XXXX XXXX ( known as Seller ) from this loan obligation. The application clearly states that XXXX XXXX is the occupier of the said property and I reside at another property. On XX/XX/XXXX, Chase sent a letter requesting several documents that we spent several days to collected and provided. Sometime between XX/XX/XXXX and XX/XX/XXXX, someone named XXXX from Chase called to request additional documents, which we also provided. On XX/XX/XXXX, Chase sent another letter to request more documents which we completed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter rejecting our application to assume Loan which we are both originally on. The reason for rejection is Property not occupied by all borrowers. 
Again, both XXXX and I are on the original loan, we just ask to remove XXXX XXXX to fulfill her wish. We have not missed or been late on a single payment even after XXXX XXXX moved out in XX/XX/XXXX. We are both employed with steady income. The income presented to Chase along with our credit score and my asset prove that we are more than qualified to assume our own loan. Moreover, when we purchased this property in XX/XX/XXXX, I stated I do not live in the property when applying for the loan and it was approved. Upon several conversation with Chase and ask to reconsider their decision, Chase continues to stand by their decision which I feel it's an unfair practice and somewhat prejudice against our ethnicity or background.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FXXXX 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 non-monetary relief
Consumer complaint received 2021-08-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-on to an inadequately addressed prior complaint. 

My complaint stated that Mr. Cooper failed to credit my mortgage loan account for THREE ( 3 ) payments that I made to XXXX, the prior servicer. Those payments were : 1. {$5000.00} on XXXX XXXX. {$2100.00} on XXXX 3. {$2100.00} on XXXX Mr. Cooper 's response only addresses TWO ( 2 ) of those payments. They DID NOT address their failure to credit my account for the XXXX payment of {$2100.00} that I made to XXXX and that XXXX transferred to Mr. Cooper. 

As a result, my Mr. Cooper account is INACCURATE and fails to include all of the payments that I made to the prior servicer ( i.e., XXXX XXXX. Specifically, my account DOES NOT reflect my payment of {$2100.00} on XXXX. 

Please credit my account to reflect ALL of the payments that I made to the prior servicer. 

LOAN NUMBER : # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
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:
I have several accounts listed on my credit report that were not opened by me or authorized to be opened by someone else on behalf of my self. The creditors are XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The amounts in dispute are {$1900.00}, XXXX, {$620.00}, {$3700.00}. These items have been previous disputed as fraud. Some were removed however they reappear under different purchasers. I would like for these items to be throughly investigated with proof showing these accounts were both opened and used by me. If this information can not be proven these items should be removed. Attached you will find a copy of a police report along with the case number filed in XXXX, Texas XXXX XXXX County.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
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:
Someone stole my personal information and has been opening credit cards in my name. I 've submitted police reports to Experian and they refuse to remove the false, fraudulent accounts and inquiries. Someone opened a  XXXX    XXXX   credit card,  XXXX   XXXX   XXXX  Credit Card, and  XXXX . Additionally, there are numerous unauthorized credit inquiries I 've only allowed  XXXX  credit inquiry in the last three years. That is   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 explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
State: WA
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:
Last purchase I made with card that was authorized was XX/XX/2021. This was for an expansion game that was not released. 

My account was terminated so therefore could not make anymore purchases. Purchases after this was made using my card, however was under impression they were automatic charges. I reached out to company that charges were made to and they would not provide refund. I contacted Discover Credit Card and made a dispute. The dispute came back to someone else 's name on the charges. Opened up fraud claim due to this since I did not authorize these charges nor person who made charges. Discover said because I made a purchase with merchant in the past, that I am liable for all future charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Bread Financial Holdings, Inc.
State: OH
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 XXXX credit report has an inquiry from Alliance Data on XX/XX/2018. 

I never applied for any services or credit with Alliance Data and as such Alliance Data is in violation of the FCRA.

Alliance Data had no permissible purposes to my credit report and can not provide any any document showing XXXX XXXX XXXX applied for any credit or service with Alliance Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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 2023-09-01
Company: Experian Information Solutions Inc.
State: PR
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 XXXX Acct # 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 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