BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have recently encountered with XXXX XXXX a financial institution. I have always been timely in making payments on my account with them, and recently made a payment in advance of its due date. Despite this, the company has hastily closed my account, resulting in harm to my credit score. 

I have made attempts to rectify the situation by reaching out to XXXX and explaining the error on their part, but have yet to receive a satisfactory resolution. I would greatly appreciate any assistance you can provide in addressing this matter and ensuring that my credit score is not negatively impacted by this unfortunate mistake on the part of the company. 

Thank you for your time and consideration.

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 2019-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, Me and my wife tried to cancel a dispute that was submitted to equifax on XX/XX/XXXX. When we called the customer service department on XX/XX/XXXXa woman taking my information was very rude to me and said that my dispute could not be canceled. Because she could not verify my identity, after I answered her questions all correctly as they were asked. The reason why I wanted to cancel was that the dispute that I submitted was researched by me further and I found that the creditor was right and I was incorrect about a payment that I had missed on XX/XX/XXXX. However that was not the only reason why I wanted to cancel, you see me and my wife just recently got kinship care of our Grandson and we have to provide a bigger home for him. We were told by our mortgage loan officer that if we have a dispute on our report then it could hurt our chances of getting a mortgage. When we explained our urgency about this to equifax they said that we still could not cancel the dispute. I ask to speak with the supervisor ( Brian ) and he was just as rude and playing games with me such as saying when were you born in XX/XX/XXXX? I explained how important it was for us to get this canceled and he still would not work with me. Then I was blocked from the status page and could not find anyway to file a grievance online with them. I was treated horribly as well as my wife. Can you please help me with this issue? People should not have to go through something like this when it is their choice to cancel a dispute. And yes it is noted on my report that a reinvestigation was in progress after we ask them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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'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 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 2023-05-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with TD/XXXX  Account XXXX XXXX This account was set to autopay but it was attached to the wrong account, as soon as I was made aware of this issue I got it all straightened it out and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SYNCB/CAR CARE SYN CAR has been reporting an unpaid credit balance on my credit report. After several attempts to dispute this account, according to XXXX  and XXXX this credit account was verified as a joint account between XXXX XXXX as the primary owner and myself XXXX XXXX XXXX. I have made several phone calls to Synchrony Bank and spoke with several agents in their recovery department on XX/XX/2020 and XX/XX/2020 to verify this information. The agents were unable to locate this credit account under my name, DOB, and SSN. The agents said that I needed to provide a full account number or the primary owners SSN. I explained to the representative that I do not have that information and that I tried to reach out to XXXX XXXX and received no response. I explained that this information has been reported on my credit and has hurt my credit score significantly. I also asked how is this information being reported on my credit report if SYNCHRONY BANK is unable to locate any account information under my SSN or NAME. This creditor has failed to provide me with any information that I am related to this debt. I am asking that the CFPB investigate this matter. 

Thank you, 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Capital One is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the XXXX XXXX XXXX  of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated XXXX XXXX  and i did not sign anything and it wasn't provided with the documents Capital One sent. Capital One has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX contacted a collection agency, Convergent. I have never received a bill from XXXX. I sent a note back to Convergent letting them know this was not by bill. They re-contacted me on XX/XX/XXXX saying to call and contact XXXX. XXXX is requiring to present to them all the documentation but has only provided me with dates of XX/XX/XXXX-XX/XX/XXXX. They are requiring me to provide them lots of personal information to prove I am who I am. They have not offered anything to me.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back in XXXX I got a money order in amount of XXXX to pay my rent to XXXX XXXX of XXXX XXXX XXXX both belonged to same bank. 
In a worn out state of XXXX back to back XXXX hour shifts in XXXX unit ; I filled out money order but without thinking turned around signed name on back. 

I gave to landlord I said if they don't accept I can meet you there. He said I'll just add your name to front ; that way both names both signed it says rent they know I have rentals. 

They wouldn't accept. They said I would have to cash or deposit give him the money because I signed as if mine. 

It was after banking hours and now rent 3 days late it was due, I paid a day or that day but after XXXX, do to double shifts. he went to bank and he didn't make it to give to me until next day, so I said I'll just deposit in ATM I can give you XXXX right away because I had some money in account and the electric wasn't due to withdrawal for 3 days so by then this money order would clear to cover difference and they allowed you access to XXXX out of deposit over XXXX. He said ok. This was at the same banks atm. The only banj that actually had access to atm because they got my card out for me when it ate it because I forgot it in there. 

Well they got me with overdraft fees bounced check for electric put hold for fraud on account and would not return my money order nor give me a copy of it so I could call money order company tell them and get it replaced because I lost receipt. Without receipt or id number from money order there was nothing company could do. 

I lost XXXX had XXXX in fees couldn't pay electric because froze account. I then had to come up with another XXXX. I was month behind on all my bills because of this and never able to catch up. I had to break lease due payment plan with cable electric and phone and gas after I left and got judgement against me for being month behind and breaking lease which was XXXX. It affected my credit and ability to get another bank account for awhile. I tried up until beginning of XXXX to try to resolve. Nice XXXX gentleman tried to help but seems they for some reason had no copy of money order but all the fees penalties from stating it was fraud. 

It's still upsets me it affected my entire life my credit, being in collections, being labeled as fraud account, not able to get utilities in my name for 3 years until I was able to pay it all, and lost apartment and reputation. They were rude and kind of mean treated me like criminal.

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 2023-02-06
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Account was closed down in XXXX XXXX XXXX  due to Chime just randomly closing it and no warning. I never received my funds ( a check ) that was suppose to be mailed to me. I have lived in the same home so not because I moved. I keep getting a run around oh we can't do this over the phone we will send a ticket and email you. Oh we can't discuss this with you in an email please call us. Back and forth. What really XXXX me off is that I get the run around on my money but ya 'll still report my account is open to all three Credit Report companies. Oh and on XXXX XXXX XXXX  I get an email saying mobile check deposits policy will be changing. Neither of those should be happening. But ya 'll don't have my money. I had money in my checking and savings account. Also on that stupid credit card of y'alls also. Let me guess because your a big company and I don't have the money to, ya 'll can just do this and no one will know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I send XXXX, Equifax, XXXX XXXX and XXXX  a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX  in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, Equifax and XXXX  in violation with FCRA they never answer. 

I went back to XXXX, Equifax and XXXX  on XX/XX/2021 sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, 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 several inquiries on my credit report that I don't recognize which are XXXXXXXX XXXX XXXXr, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I even wrote out some of the duplicate inquiries on my 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 2023-07-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX my LOAN NUMBER ARE XXXX MY Loan before wiith XXXX but they take over they wana make money forcefully doing aplly loan modification just giving me excuse shortage of escrow amount they doing everything sudden forfully ccharge me extra monthly payment threat for my credit score sending bad info to 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 2021-06-14
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Hello, for the past 4 months my Equifax credit file has been unavailable. I can no longer look at my credit report, nor can I see my history. I am not able to remove or manage a freeze. I have sent my social security card and driver 's license twice to Equifax. I sent it certified mail this last time and they received it XX/XX/2021. On XX/XX/2021 and XX/XX/2021. I was on the phone with Equifax for over an hour each time trying to get this issue resolved. The first associate on XX/XX/XXXX lied and said the issue had been resolved, but couldn't provide a confirmation number. I called back XX/XX/XXXX and the representative had me on the phone for over an hour and told me the issue had been resolved as well. Still no confirmation number. I called XX/XX/2021 and I was told I can ' t speak to a representative in the United States and Equifax system was down at the moment and to call back in two hours. I am not able to apply for anything, it seems that I don't exist in the Equifax world and this is truly a hindrance to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CL Holdings LLC
State: WA
Product: Credit reporting, credit repair services, 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:
I have a debt from XXXX XXXX, and it was first made more than 5years ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called Jefferson systems LLC or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report.

I believe that after 180days the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There is a fraudulent collection that's been reinserted in my credit report. Mailed FTC Identity theft report to all XXXX credit bureau 's on XX/XX/23. It was processed and the item was removed by all XXXX. I noticed that it was back on my Equifax report again earlier this month. I disputed the item and Equifax refused to remove it from my report, stating that it's accurate. This isn't true, it's the same account that was removed before but with a different account number. The original account number was XXXX and new account number is XXXX. I don't feel they did a thorough investigation because the duplicate account wasn't taken into account. This is seriously affecting my life and ability to provide for my XXXX child.

Company response to consumer: Closed with explanation