BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX  accounts, Online Information Ser # 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 non-monetary relief
Consumer complaint received 2023-01-13
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:
FCRA Violation : name and address not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX {$960.00} FCRA Violation : collection not mine XXXX XXXX XXXXXXXX {$840.00} FCRA Violation : hard enquiry not mine XXXXXXXX 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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help 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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX. U {$500.00} was withdrawn from my Chase Bank checking account through XXXX by the hackers on XX/XX/2023. 
XXXX. I reported to the Bank about the incident, but the bank denied my claim. The reason of denial is that the fraudulent transaction was done by my computer. 
XXXX. However, I had to talk with XXXX to return the non-working ink-sets while opening the XXXX website through my computer. 
XXXX. This is not my fault but the online banking security problem between the XXXX and XXXX. 
I can provide more detailed evidence to you if you ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Affirm Holdings, Inc
State: AZ
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:
AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as Affirm being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the XXXX account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed I had a recent late payment on my account that I wasnt late for, I reached out to XXXX  XXXX ( Account number XXXX ) in regards to the current late payment. Please investigate and provide proof with statements showing that this payment was late, if proof cant be provided I demand this late payment be updated to on time as they should be as I was never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they keep calling me. They will NOT tell me WHY they are calling, nor will they even tell me what their company does. They insist they can not tell me what they do or why they are calling me unless I give them personal information. I have made it very clear I'm not going to give them any personal information without knowing what they do or why they are calling me. I have told them to stop calling because they will not tell me why they are calling and I will not give them personal information without knowing why they are calling me. They continue to call demanding personal information from me. the only thing they will tell me is the name of the company " Conversion Outsourcing '' and won't even say they are a debt collection agency. I googled them and found out they collect debts. I don't have any debt that is in collections, so don't know why they would be contacting me demanding personal information. I want them to stop calling or at least tell me WHY they are calling so I can address, possibly they have the wrong person? but they won't tell me so in that case i've asked them over and over to stop contacting me, but they keep calling.

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 2023-09-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
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:
I have a NFLP loan. I am in my 2nd round of appeals from ECSI. They inappropriately denied year 3 of loan forgiveness. The escalation team member agreed it should have been approved but upper management disagreed. Every year prior I had issues with them applying forgiveness that eventually got resolved. 

Full time XXXX XXXX job Started XX/XX/XXXX. Graduation date XXXX XX/XX/XXXX. 
Year 1 forgiveness XX/XX/XXXX XXXX XXXX XXXX approved Year 2 forgiveness XX/XX/XXXX XXXX XX/XX/XXXX approved Year 3 forgiveness XX/XX/XXXX XXXX XXXX XXXX inappropriately denied. 

Reason my employment ended XX/XX/XXXX but that is after the year of service that was completed XX/XX/XXXX. My changing of employment should only effect year 4 forgiveness. New full time XXXX job begin XX/XX/XXXX. I can include all documents submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm just coming home from being incarcerated for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: AZ
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:
I have had an ongoing issue with Equifax. Lenders are unable to pull my Equifax credit report ( no issues with XXXX or XXXX ). I have had no luck with addressing the issue over the phone, I keep being told that there is nothing wrong. I cant even pull my free annual credit report. This is making it very difficult to get a loan and I do not know what to do. Equifax has no answers, solutions or even direction for possible resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, I had an opened letter in my mailbox asking for a change of address for service purposes. It was not in an envelope. It was wide open for anyone to see my personal business. I have already responded to this attorney regarding this debt, and I find this tactic ignoring my right to privacy and protecting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
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:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE 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
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
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:
This dispute is for in accurate information held against me from Chase in their database I ask that by the fair credit reporting act law they delete those in accurate files because they claim not to have access to their furniture, but they themselves are furniture, and they hold a in accurate result, but not the actual files themselves. Making it very illegal and unfair for me. Therefore, I am asking compensation. I also request for Chase after deleting those files to reconsider me and approve me for the credit card that I recently applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: IL
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 tried to call XXXX XXXX and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: CO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX-Inquiry from XX/XX/2019 2 ) XXXX XXXX-Inquiry from XX/XX/2019 3 ) XXXX XXXX-Inquiry from XX/XX/2019 2019

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 2023-05-24
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: Information belongs to someone else

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 U.S.C 1681. ACCT Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Navient Solutions, LLC.
State: AZ
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:
AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as XXXX being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the Navient account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Wells Fargo informed me that I had reached 80 % LTV, thus qualifying to have PMI payments removed from my monthly mortgage. To cancel I had the option of either 1 ) paying {$6400.00} to reduce the LTV down to 78 %, OR 2 ) calling them to request a new property evaluation to ensure the home was still above the original {$330000.00} valuation. Upon calling to discuss the property evaluation, I was informed they would send me another form to request a property evaluation through Wells Fargo. Not sure why this request was not available either online or, at a minimum, included with the form for option # 1 which somehow did get mailed to me. 

Having just received my XXXX XXXX XXXX XXXX valuation for XX/XX/XXXX reflecting home valuation of {$450000.00} AND having had an appraisal performed in XX/XX/XXXXthat reflected a valuation of {$420000.00} ( coincidentally the same value XXXX XXXX showed for XX/XX/XXXX ), I offered to provide both as proof that I did in fact qualify to have PMI removed. I spoke with 2 different customer service reps at Wells Fargo Home Mortgage ( XXXX ) as well as a supervisor named XXXX XXXX on XX/XX/XXXX, and was told neither of these documents would be sufficient. In fact, I was told that I actually would have to use a Wells Fargo approved appraiser specifically to perform this task at a cost of {$550.00}. This is actually above market for a home appraisal ( {$400.00} is what I paid last year ) so also unclear why any professional appraisal wouldn't be acceptable. 

If Wells is willing to waive the appraisal once an additional 2 % is paid down on the loan, I think a valuation 34 % ABOVE their minimum by both a governmental entity AND an independent appraiser should be sufficient. I also don't understand why I have to pay an exorbitant fee for what is a relatively commoditized service and suspect Wells Fargo is actually making money off of the higher appraisal fee. This seems very unfair and could be alternately addressed doing a quick look at comparable sales in the area which would be relatively inexpensive to perform. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief