BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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'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 explanation
Consumer complaint received 2021-05-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i am missing over XXXX dollars from my relia card pre paid deposits alone that is just deposits about XXXX in purchases each month since XXXX have been made to my account and i have called several times to request that the funds be returned. what i have found out is that my neighbor and several others she is connected to are working in customer service through us bank relia card and possibly twc. through the company conduit! in XXXX XXXX tx they have stolen my stimulus check and transferred money from my rbfcu account they have taken a lot out of my accounts and used my social security for various fraud inqueries. i have called and called have done a lot to try and resolve this issue i also am uncertain of how many others they have done this too. XXXX and apparently XXXX a XXXX XXXX and a lot of other people entrusted with goverment funds and confidential information are using it to take money from every unknowing XXXX in the united states! please help this also includes my smi one account and irs tax refund

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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Incident : - A credit card was stolen from the home mailbox in the afternoon of XX/XX/2021. The police report number is XXXX. See the attachment reportXXXX. 
- Unauthorized charges were made between XX/XX/2021 and XX/XX/2021 at multiple local retail stores. Total amount of the unauthorized charges is {$1000.00}. 
Actions taken : - Contacted Chase Card Service and Fraud Department via phone on XX/XX/2021 and they opened the investigation. The bank has initiated the investigation. 
- Chase Fraud Department sent a secure online letter on the result of the investigation on XX/XX/2021 and the bank denied the recovery of unauthorized charges {$900.00} total. See attachment Chase_unauthorized transaction.pdf. 
- Contacted Chase Fraud Department via phone on XX/XX/2021 to contest, however, the bank denied the claim. Requested the account to be closed on XX/XX/2021. 
- Sent the copy of the police report via email on XX/XX/2021 to Chase Fraud Department and requested a written response of a new investigation. Bank has not responded after 72 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
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:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
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:
I have uploaded the information in the attach document area. Experian has not been doing great job of compliance of XXXX. Experian doesn't do any investigations and haven't been following the rules of FCRA.

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 2021-05-11
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. TransUnion and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.

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 2023-02-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OH
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 called XXXX XXXX ( my credit card company ) and ask them if they could add my account information to Equifax Credit Bureau Agency so i can have a longer credit history on my Equifax credit report. XXXX XXXX reply 's that I need to contact that credit bureau and have them add it on to my report. And I called XXXX XXXX and Equifax least 3 times Each and almost 3 hours later, both parties claim that there's nothing more on their end they can do. 
My question to XXXX is what can i do on my part to get my XXXX XXXX credit card info on to my Equifax credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
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:
its been over 30 days- 60 days and XXXX  XXXX equifax and XXXX  failed to respond to any of my letters or request. i am getting ready to file a lawsuit in XXXX courts for damages and violations. they are violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Your remark says that this account falls under charge off, make sure to provide the reasons why there is a balance indicating on the statement. Per Fair Credit Billing Act, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
BANK OF AMERICA ***** Opened Date XX/XX/2015 Balance {$2100.00} BK OF AMER ***** Opened Date XX/XX/2015 Balance {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Carrington mortgage company purchased my mortgage loan from XXXXXXXX XXXX on XXXX of 2020. I filed a joint chapter XXXX bankruptcy in XXXX of XXXXwhich discharged the loan as part of the bankruptcy proceedings. After multiple attempts to call and resolve this issue with carrington mortgage company they have stated that the bankruptcy only applies to my ex wife and does not include me. I have spoken to the trustee who handled the bankruptcy and confirmed both parties, my ex wife and myself, are included in the bankruptcy. I am now being harassed with phone calls and emails from carrington and negative remarks on my credit report. Representatives from carrington have also stated they will continue to pursue legal action and continue to contact me if I am unwilling to make a payment. This falls under the Stay violations and the discharge violations, along with violating federal bankruptcy law and the FDCPA, violating federal law, namely section 524 of Title 11 of the United States Code. If this matter is not resolved on my credit report and with carrington I will be forced to contact an attorney and file harassment charges and seek compensation to pay attorney fees and compensation for their violation of the bankruptcy code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: SYNCHRONY FINANCIAL
State: KY
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:
Someone had submitted multiple fraudulent applications with multiple banking institutions, including with SYNC/BELK, SYNC/DICKS SPORTING GOODS, XXXX and XXXX XXXX. ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.

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 2019-11-19
Company: Premier Student Loan Center
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I talked to XXXX XXXX, who was said to be a senior account manager for the XXXX XXXX XXXX XXXX ( premier student loan center ). She had me sign electronically some forms and send her my XXXX 1040 tax return for proof of income. Shortly after that I got conformation by email from XXXX XXXX that my proof of income was received. A few days later on XX/XX/XXXX I received an email requesting more copies of proof of income by a man named XXXX XXXX who also worked with XXXX XXXX. I then called them both with comments and concerns since I had already sent proof and was sent conformation proof was sent. The plan was said that I would pay {$240.00} per month for the first 5 months and then after those 5 moths I would be paying only {$22.00} per month until loan is paid off. I asked if I could pay more if I was able to pay more and I was denied that capability because they said then I wouldn't qualify for the forgiveness plan. On XX/XX/XXXX, I received confirmation from XXXX XXXX by email that my first payment of {$240.00} was processed and received. ( on the email it said " last '' assuming that was a typo ) as it was agreed my payments came out on/or around the XXXX of every month. I thought my loan was getting paid off and everything was good ... On XX/XX/XXXX, I received an email from XXXX about a Lawsuit - Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a/ Premier Student Loan Center, et al. As soon as I got this email I immediately contacted my loan servicer ( XXXX XXXX ) I talked to a woman who informed me that they have NOT received any form of payment from the XXXX XXXX XXXX XXXX or Premier Student Loan Center. So where was all the money I sent to pay off my loans going? I then called my bank and asked to stop all payments to the company and as I was going through my history I noticed that the names on the transfer changed ever so often. At the end of the day this is devastating to say the least.

Company response to consumer: Untimely response