BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 explanation
Consumer complaint received 2017-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a personal checking account with chase bank in the month of XXXX and deposited XXXX dollars in it. on XXXX XXXX I received a letter stating my account was closed and funds will be mailed back to me. I called and they told me that my account was closed for no reason at all and without a valid response. JPM Chase stated that they reserve the right to close my account with providing a proper response, which a form of discrimination. Once I completed my conversation they gave me a ref # of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive mailed numerous letters to the this credit bureau & submitted complaints they claim they verified with the furnisher but after speaking to a representative she stated that they use a system called e Oscar witch is a computer thats not a furnisher so how can this be legal? FCRA states everything must be accurate and a proper investigation must be done. XXXX XXXX XXXX should not be reporting on my credit report. 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.

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 2023-02-28
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In regards to the refunds we are entitled to for payments made during the pandemic period. Ive requested a refund and have been told no timeline would be given. Ive made several attempts to get update and have always been told no updates were available other than the request has been submitted and approved but no timeline on when to expect a refund. I have received a small portion of my request and was told that was from the original loan servicer but my request from my current servicer EdFinancial has no timeline. My original request was sent XXXX XXXX I would like to have this issue resolved and I feel like EdFinancial is just giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: SC
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:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. OnXX/XX/XXXXI notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. On XX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ),XX/XX/XXXX ( Experian ), andXX/XX/XXXX ( XXXX ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX  ). OnXX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( Experian )XX/XX/XXXX and 30 days late ( XXXX  ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( Experian ) and 60 days late ( XXXX  ). XX/XX/XXXXit reflects that I was 60 days late ( Experian ) and paid on time ( XXXX  ). XX/XX/XXXXt reflects that I was late 90 day ( Experian ) and paid on time ( XXXX  ), XX/XX/XXXX it reflects that I was 150 days late ( Experian ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months ofXX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.

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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/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 2022-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. This is not so in the case of XXXX XXXX with account number XXXX which has several blatant inaccuracies among all three bureaus, such as different open date, different date last active, different account number different date of last payment and different payment history. These inaccuracies are grounds for removal. They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I responded to the company '' s response and sent it off without attaching the appropiate document so i had to submit a new complaint in order to attach the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.

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 2023-03-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
RE : CASE NUMBER XXXX Please note that I have contacted Wells Fargo several times requesting my XXXX Escrow Review Statement. Each time I received empty promises by customer service representatives that it would be mailed within ten business days. 

Instead of sending me requested document, however, on XX/XX/XXXX, I received an email stating my tax document has been corrected... 

Wells Fargo Mortgage 's continuous failure to give me correct information without delays, as required by law, leaves much to be desired from a mortgage lender. 

Kindly assist.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: SC
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:
The accounts are not mine but it been more then 30days 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 2023-12-11
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: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # 1 that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.

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: CA
Product: Credit reporting 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:
I was a victim of the XXXX data breach. I want these items deleted from 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX  ) has put a hard inquiry on my credit 2 times with no consent. XXXX XXXX and XXXX XXXX XXXX Facts 2 is an unknown hard inquiry. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is another unknown hard inquiry. XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2019-08-03
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I signed a contract for a loan for XXXX. I knew the interest was high but I planned on buying it out after three months. When I called to buy out the loan I was told it was over 2000. That was because the representative gave me the amount I owed if I paid month to month. Ex if I paid XXXX per month for 20 months I would have paid XXXX. I read my contract and called again because it was only supposed to be XXXX. When I called and asked again they said that it was still 2000 and my early buyout in my contract was an estimate. I have refused payment since XX/XX/XXXX and I contacted them after I realized that they broke the fdcpa. They now want me to pay XXXX for late fees and past payments when my account would have already been closed if they followed contract. They have been sued before for violating the fdcpa and get complaints on the daily. This could have been a good experience if they didnt lie to try and con me and tried to come up with a resolution since they cant agree to mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: VA
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:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX I have been reaching out to the 3 credit bureaus Experian, XXXX, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, XXXX, and Experian have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, XXXX and Experian are forcefully reporting delinquencies and not responding letting me know the results of their investigation.

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 2022-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681bXXXX Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

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 2023-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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