BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-08
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My school loan is overpaid. AES ' defense, " It just looks like we charged you twice ''. No, I was charged twice and the mistake happened when the loan was consolidated. Their records show that and my records show the same. Thus far I have paid {$87000.00} and owe another {$2300.00} which will equal around XXXX on a loan that was originally XXXX. They have a balance of {$69000.00} because they charged me twice. The interest paid from XXXX to XXXX is {$11000.00} on XXXX NOT XXXX at a supposedly 3.25 interest rate but was actually charging me 6.5 on a fixed rate. The department of education has no record of this because AES never reported my information. However, other lenders/servicing companies sent all my school loan information. They were so transparent they can't be questioned -- but not AES. 

So, why hasn't AES refunded my money. Simply, stating " It just looks like I overpaid doesn't cut it because it's OVERPAID. Also, I received a promissory note that I never signed which is fraud. AES has misapplied and misappropriated my loans for years. AES is just as bad as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Nothing happened, as usual. Equifax is the only CRA that fails to send me my free annual credit report every year I request it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
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:
Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.

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 2021-10-12
Company: Experian Information Solutions 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:
I have disputed the incorrect information on my credit report for several months with XXXX, XXXX, and Experian and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.

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 2023-10-21
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Credit Report Date Generated XX/XX/XXXX Report Confirmation XXXX I am writing to formally complain about several inaccuracies in the information on my credit report pertaining to an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ). After a thorough review of the account details, I have identified serious discrepancies and errors in the reporting of the tradeline for ( Account Number : XXXX XXXXXXXX ), which are adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that this erroneous tradeline be deleted from my credit files. 

The discrepancies and errors are as follows : 1. Incorrect Reporting of Account Status : The credit report indicates that an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) continued with a balance in XX/XX/XXXX and XX/XX/XXXX, and continued to report incorrect information for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, despite the notation in the Comments XXXX section that the account was " Charged off account '' in XX/XX/XXXX. 

. Your company is reporting that the account was charged off After it was charged off. This ongoing inconsistency in account status is in direct violation of the FCRA and has the potential to significantly harm my creditworthiness. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I demand that the tradeline for XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX ) be deleted from my credit report due to this inaccurate reporting. 

Please be aware that inaccuracies in credit reporting can lead to legal action by the consumer. The FCRA, specifically 15 U.S.C. 1681n, provides consumers with the right to pursue legal remedies for willful or negligent noncompliance by credit reporting agencies. 

I have attached a copy of my Drivers License and a copy of my electric bill to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unfortunately I do not have the exact date saved when this incident occurred. It was around XXXX years ago and just after I got married. It all started when my wife and I wanted to start our transition after getting married to start a joint bank account. At the same time we were both in grad school and receiving excess financial aid checks from our school. The school sent me a check but sent it to a previous address I lived at before I moved in with my wife. I notified the school and they canceled that check and sent out a new check to my current address. 

The initial check ended up being forwarded to my new address. At this time I didn't know it was the old check and I tried to deposit the old check into my XXXX account and overtime I found out that the check was denied and that was when I was notified of fraudulent activity with my account. I did reach out and talked to a banker at a XXXX bank. This is when they told me that I was accused of money laundering and that my account was closed. The banker at the time told me I would not be able to open a checking account for a year even after explaining to them and showing the bank that the money was all financial aid checks from grad school. 

Now XXXX years later my wife are trying to open a joint checking account with a completely different bank and I am still unable to open an account because of this label/block that was placed on me. I did on XX/XX/2022 stop in a XXXX bank to discuss opening an account and appealing the money laundering accusations, but was denied. I asked the banker at the time for records from the initial accusations of my checking account and they were not able to give me records to show the activity that they accused me of. 

This was when I was told about XXXX XXXX and to come here for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2023-05-17
Company: EQUIFAX, 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 belongs to someone else

Complaint:
The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX XXXX as a Repo when Account does not exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: SECURITY FINANCE CORP
State: TN
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: Problem with personal statement of dispute

Complaint:
I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.

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 2020-07-29
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I recently applied with a re-finance through rocket mortgage approximately around XX/XX/XXXX. The process seemed brilliant and easy ; however, after turning in all documents and told I was told we would be closing soon around XXXX. After many delays, I was told everytime I called in we were close to the closing process. Then I started receiving messages that they needed a paycheck almost every week to prove employment. The problem with this is, it takes rocket mortgage on average a week to verify the documented paycheck you submitted. But when they say you are closing again, they halt the process and need a new pay check. So everytime I submit a current week paycheck, they process it next week. Then say, we need next weeks pay check to close - Its an infinite loop of them taking a week to process a current paycheck, that I am perpetually " always '' a week behind in their system to process a paycheck. It is now XX/XX/XXXX after told many times we are closing and its not happening. 3 months and 12 days later of personal time and energy wasted when I could've gone to a local credit union or bank. They keep you on the hook because of all the invested energy already but it seems nothing will ever close. No client needs to experience this. I am still today awaiting to close the loan - There was never a mention of credit score, loan value or appraisal just - waiting on documents - Waiting to get the loan togethor then a repeat of we need your next current pay check - Pay check submitted - One week to verify - Now that current pay check is one week late once verified ( because a pay check given to them on XX/XX/XXXX will not be verified by their team till XX/XX/XXXX or later ) and they re-do the process over and over. Its not currently possible to close on a loan with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onFeb XXXX XXXX. I check my account on the XX/XX/XXXX XXXX dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with Transunion and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.

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 2021-02-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I realized my identity was stolen when I received a notification on my phone from Chase bank regarding a withdrawal from my checking account. After a closer look at the account, I found a lot more fraudulent activities span from XX/XX/XXXX to XX/XX/XXXX. There were five fraudulent withdrawals from various Chase bank locations in the total amount of {$15000.00}. 

I was shocked at how easy it was for the fraudsters to walk into a national bank and just take money out of my bank account. Almost immediately after the discovery, an identity theft report with Chase and a grand larceny police report were filed. 

After a couple weeks of painstaking communications with Chase bank, I was partially reimbursed {$11000.00} on XX/XX/XXXX. I went to my branch to request a withdrawal all of my funds and close the account. A supervisor on site told me that my account as frozen at the moment and refused my request. " There's no need to close it, you can continue to make deposits and make withdrawals after account unfreezes '' as the supervisor explained. I trusted his words, but that was a mistake. 

On XX/XX/XXXX {$20000.00} was fraudulently withdrew from the same checking account that I was denied access a couple weeks back. And a {$3300.00} fraudulent purchase was made at XXXX XXXX with my debit card information. How is this possible? I was speechless at what was unfolding in front of my eyes. After I notified the authorities and Chase Bank of identity theft, Chase still let criminals walk into their branch and just take money out? After everything that has been reported and verified by their fraud department? 

I had to dispute again and close my account for good. However, this time Chase refused to admit their incompetence and flaw of the banking system that caused this mess. They denied a full reimbursement of the money stolen and sent me a {$3300.00} check before cut off all communication regarding this case. Chase still owes me {$21000.00} and I think they are keeping that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05
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: Investigation took more than 30 days

Complaint:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the 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