BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I been calling and contacting company for 2 year requesting my bill and why I am being charged 100 percent higher then what I owe they avoid my phone calls and my certified mail On XX/XX/2020 XXXX I sent certified mail to capital one bank  use tracking number usps XXXX XXXX XXXX XXXX XXXX XXXX requesting a break down of what I owe and capital one still has not responded if they can not provide any information this collection needs to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
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:
Greetings! This was my fourth complaint to follow up the items for removal that I previously submitted in the date XX/XX/XXXX. May I repeat that under section 605b of the FCRA the Experian, XXXX and XXXX Bureaus are required by law to remove any accounts or information which were found to be opened due to identity theft. Again, the disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$240.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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 explanation
Consumer complaint received 2020-02-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband ( XXXX XXXX ) and I changed our home owner 's insurance to another company in XX/XX/2019 saving {$1200.00} dollars per year in the premium. However, Rushmore refuses to lower our payment. Furthermore, they have arbitrarily said we have an escrow shortage of more than {$3000.00} and increased our mortgage payment when we did not fall behind in payments at all the previous year nor did we see an increase in property taxes. Again we saved money on insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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:
I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-02-25
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:
I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}

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 2023-09-10
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing to express my extreme frustration and disappointment with Early Warning Services, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. 

The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. 

To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. 

It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a debt to XXXX XXXX. On XX/XX/XXXX of this year I received a letter stating that I paid them through Radius Global Solutions the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.

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 2019-11-18
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened up a dispute through Chase Card Services on a XX/XX/19 charge of {$510.00} on my Chase Sapphire Reserve card, and it was recently denied, twice. 

The reason for denial was that XXXX, the merchant, stated the payment in question violated their user agreement, in reference to using friend and family option to pay XXXXXXXX user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation. 

2 ) If there was a violation defined in the fine print that I was not aware of, XXXX user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the XXXX  user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the XXXX invoice, and I paid it. He initiated everything, and if there are any violations of the XXXX user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

JP Morgan Chase failed to represent my, their client and cardholder, in the dispute versus XXXX. I was mis-represented by the staff at Chase Cardmember Services, and I have incurred a loss of {$510.00}, that was more than recoverable, if Chase had given any effort to put up a fight with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: MORGAN STANLEY & CO. LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a brokerage account with E*trade.com since the early 2000 's. I just recently opened a guardian saving and checking account with E*Trade for my self and my father. In order for this bank to open these accounts I had to download a copy of my father and I drivers license. On the IDs you can clearly see we are both XXXX XXXX. After the accounts were opened, I deposited a check from my fathers XXXX account in the amount of over {$92000.00} to the newly opened accounts at E*Trade. E*Trade kelp the check on hold longer than the time frame listed on there website. They never given me a explanation for the long hold time. They called XXXX and verified the check with them then they released the funds. Once I started moving funds around into the different accounts they put restrictions on all the accounts. Once I called them to ask why the restrictions were there they lift the restrictions. I then tried to wire myself {$20000.00} from the account they put a restriction on the account and now they will not remove it. The only reason I can see them placing restrictions at all on the account is because my father and I are XXXX XXXX. They do not like seeing XXXX customers with this kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX - ( XXXX ) OPENED XXXX THIS ACCOUNT WAS ERRONEOUSLY DELETED FROM XXXX & EQUIFAX THIS BZNESS LOAN WAS FOR A SEMI TRUCK & WAS PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2022-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 5 emails today, XX/XX/2022, indicating a Bank of America account was opened using my personal information. I have reported the emails to Bank of America, but I also wanted to report the fraudulent emails to the government as well. I have attached copies of screenshots that include the URLs associated with the suspicious links in each of the emails. 

Some basic internet research indicates these emails are an ongoing, long-term phishing scam. The emails are very convincing and several contain multiple links, some of which legitimately go to actual Bank of America websites. 

Hopefully, I will receive a response and resolution from Bank of America confirming no such account has been opened and no true identity theft has occurred.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
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 according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX 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 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 explanation
Consumer complaint received 2023-09-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus 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 explanation