BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had a mortgage through XXXX. Long story short... I went through a very tumultuous divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with Equifax and XXXX - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my Equifax credit report. Equifax is the only bureau still reporting this and XXXX is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want XXXX & Equifax to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/19, my personal Savings account has been fraudulently checked by amount of {$1500.00} in the state of Florida. I didn't recognize this transaction until XX/XX/19. I reported this issue to Chase bank on XX/XX/19 for the first time. One of the representatives asked some questions and informed me that their would have a result within 5 business days. I tried to call the bank within the 5-day period to see if my case was going to the right direction. Unfortunately, all Chase responded was " just wait for 5 days '', and " they would get back to me ''. After the 5th business day, I contacted the bank again because I didn't see the problem was getting solved. The other representative told me that they had not finished the investigation and had no idea when it would be done. 
I deeply understand this kind of issue is not a daily event and investigation sometimes takes more than one can expect, but as a victim, I believe that I do reserve my rights to knowing all the process the bank has been taken and at least a time frame I may expect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a lot of inaccurate addresses on my credit report that does not belong to me. This will cause and is causing harm to me as a consumer. I need my location information updated to the one on my CFPB profile.

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 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.

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 2020-11-12
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
XXXX XXXX reported me as late on a payment I believe I XXXX they assured me that it was a mistake as I was promised that during the refi process, all late fees will be waived and no late fees would apply. 
As you can see there was one reported late They assured me that it would be removed and it had yet to be Credit Bureau needs to contact them directly for further information

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 2023-03-29
Company: EQUIFAX, INC.
State: MI
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient may be avoiding submitting my XXXX  Loan Forgiveness application to the guarantor, or the guarantor could be delaying a response. According to my records, I originally submitted the application in XXXX of XXXX. On XX/XX/XXXX, months after I submitted the application, in response to my email query, they informed me that the application had been resubmitted to the guarantor, but that I may have a wait of up to 120 days before a response should be expected. Since XX/XX/XXXX was well into that 120 day period, I submitted further requests for information. On XX/XX/XXXX, they responded with the exact same information, and continued to do so on XX/XX/XXXX and XX/XX/XXXX - all in response to my further requests via email for information. It is now XX/XX/XXXX, and I still have no word from them about the status of my application, and I don't believe they intend to inform me further. In the meantime, they put my loan in forbearance. They said this was a courtesy, but I have never been late, and have made it a priority to pay on time, and I asked them, via a phone call, to take the loan out of forbearance because I want to keep my high credit rating ( of course! ). It also looks like they have not taken my loan out of forbearance, and I suspect that every time they put it in, it increases some fee which is added back into the loan. This loan forgiveness is dearly needed. I attended my college on a special half-price scholarship for older students, but my student loan documents stated that the cost of my education was still twice what it should have been for the salary I was making. Can you help me with this issue?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: LA
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:
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 Number:XXXX Account Name : XXXX XXXXXXXX AccounXXXX Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: HW Holding, Inc
State: NM
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company attempts to obtain your money for the purpose of debt resolution and on their website states : " We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt forgiveness of an amount equal to or greater than {$600.00} may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. '' They won't however provide a transaction history or any sort of documentation that shows any payment history, contract agreements, whether or not the transactions include state sales tax, or a transaction history that can be reported to IRS. 

As of XXXX was said to owe {$3500.00} and paid {$200.00} on XXXX and have spoken to numerous debt collectors and they have all stated they refuse to provide any of that documentation and also did not know of any " payment agreements '' that were arranged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contact Amcol Systems on XX/XX/2023. Approximately XXXX months prior I asked for an itemized statement from this company and received it in XX/XX/2023. Was prepared to pay the debt went to their website where it indicated, I need to add a reference number. There was no reference number anywhere on the bill. When I spoke with a representative there, they said that I should've known that a reference number is actually what they indicated a locator number. I asked them to run the payment they told me there would be a fee of {$4.00} and I asked them because of their unclear website, if they would waive the fee and absolutely refuse when I asked to speak with a supervisor, she repeatedly told me that nobody would ever waive this fee. I feel I had to demand to speak with a supervisor which I should be able to ask for mine and be transferred over. I got to a supervisor whose name was XXXX she said she was the operations manager I explained everything above she still will not waive the fee I asked her what kind of settlement she could offer me which was approximately {$360.00} less than the bill. I accepted that settlement and I paid with my debit card and also pay the {$4.00} fee. I requested a letter or statement that says that my account is now closed with them. She absolutely refuse to provide that for me I didn't understand why. I asked for her supervisors name she said I couldn't talk to them. I said I didn't wan na talk to them. I just wanted a name. She refused to give me that she said she would send me a receipt on the payment. I did not get this either. I'm very concerned because I do not have any proof that this was settled that they are going to come back and tried to charge me additional fees I think that I'm entitled to get a receipt and I'm entitled to get a statement from them that my account with them is closed, I do not have any choice that my hospital uses them for collections. I don't feel that they are in compliance with your regulations without providing me a receipt statement that my account is closed and also charging me a fee just to process my debit card. Based on reviews of this company, there is plenty of notifications that they do come back charge people again on a paid off account saying they never received a payment which now other than my bank statement I have no proof. I want proof of my payment and proof of my account being closed thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was acct. XXXX XXXXXXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXX XXXX XXXX XXXX and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXXXXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?

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 2022-11-30
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT* Hello, My name is XXXX XXXX XXXX I'm contacting you today requesting accommodation for Account # XXXX. I spoke with a supervisor by the name of XXXX ( I'm not sure of her last name ). She informed me that it would take up to 30 days for the accommodation request to remove the " Late '' payment from my consumer report. However, It hasn't updated and I'm starting to get concerned. As I stated before My wife and I went to XXXX for our anniversary and wasn't able to come back into the country for 3 weeks because we constantly tested positive for XXXX. Unfortunately I had no control over this matter that resulted in me falling short on my bill one time. If you view my account you'll see I've never been late before or after this one time. I come before you today in hopes of you to accommodate and remove the " Late Payment '' that is reporting on my accounts from that struggling period of my life. Please take this into consideration and re-report the " Late Payment '' as currently to the consumer reporting agencies. This unfortunately situation is ruining my financial repetition. I'm contacting you today in hopes of receiving an update to my original inquiry or some sort of resolution to this issue.

Company response to consumer: Closed with non-monetary relief