BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.

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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted a small business credit card application with Chase after they solicited me with an offer. I have uploaded documents directly from the California Secretary of State proving my business address. I have also uploaded documents from my tax return showing my business 's XXXX. These are electronic documents and not scans. Despite this, Chase states, " Unfortunately, we were unable to use them because they were illegible, expired or did not otherwise meet our requirements. '' This response from Chase is unclear. The docs are pristine. They are from a government agency and my tax records so should meet requirements. They are also from the past month so timely. 

I am not sure what to do and feel like the process at Chase is misleading or needs improvement to clarify. I'm sure Chase would like a better client experience, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
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:
Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number.

Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
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 information incorrect

Complaint:
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX  in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided

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 2023-06-30
Company: Experian Information Solutions 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2022-12-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
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:
My credit file got ran several times without my consent! On XXXX XXXX XXXX this happened without my acknowledgment. Would like something done tonight! My phone number is XXXX! I didnt get approved for car either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2020-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from 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 2022-03-04
Company: EQUIFAX, INC.
State: FL
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:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is for the Equifax Data Breach incident and I was impacted. Miss use of my personal information, see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I ordered my Annual Credit Reports from the three Credit Reporting Agencies. For as long as there have been Free Annual Credit Reporting Legislation, Equifax continually refuses to send my Annual Credit Report. Year after year I must file a complaint with C.F.P.B. in order to force Equifax to mail my credit report. My last report dated XX/XX/XXXX is well past the XXXX year qualification to request my XXXX credit report. Furthermore, Equifax continues to mail, at the same time as my Annual Credit Report, a change of address letter. The letter always states that my address has changed within the past sixty days. My has not changed in over twenty two years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Please reference CFPB Complaint XXXX-XXXX. 

Sixteen months after I discovered that Navy Federal 's removal of my name from the mortgage ( ' ... because we're not using your VA certificate. But don't worry ; nothing will change. ' ) meant that with the sudden death of my spouse in XX/XX/XXXX, access to anything about the mortgage including making payments became complicated and time consuming : NFCU finally completed the mortgage assumption paperwork after being educated by VA Loan specialists that they were legally prohibited from charging me closing costs or anything other than a {$50.00} transfer fee. 
On XXXX XX/XX/XXXX all the papers were signed and the assumption was completed. By the XXXX, everything was recorded. 
On/about XX/XX/XXXX I contacted NFCU Mortgage Department by phone and was advised by XXXX that the mortgage should show up in my online account no later than Friday, XX/XX/XXXX. 
It did not. I sent a secured message asking for the status and was advised that someone would contact me within five business days when the updating process was completed. That was on XX/XX/XXXX. 
No one has contacted me, the mortgage is not listed among my online accounts and I have no access at all now because the previous account number under my husband 's access has been deactivated. 
At least Navy Federal is consistent in their lack of timely contact and inability to process mortgage-related paperwork accurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Mortgage Assumption Online Access Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service and for bringing this matter to our attention. We are currently updating your file in our records. An Assumption Specialist will contact you once this process is completed, within five business days. If we can be of further assistance, please let us know. 


Your Message XX/XX/XXXX : We completed the paperwork on XX/XX/XXXX and I received a refund check two weeks ago from the title company. 
Earlier this week I spoke with XXXX in the Mortgage Dept and she thought the mortgage should show up online by today. 
Nothing yet. 
Could you please check on the transit of the paperwork through the bowels of NFCU? 
I'd like to be able to make payments online instead of going through telephone representatives. 
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 2023-04-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRIES FROM THE FOLLOWING ENTITIES ON SPECIFIC DATES. 

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 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 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 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 2019-06-19
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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 2019-01-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Colony Brands, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX,  instead of removing the account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CrossCountry Mortgage LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This has been going on for over 2 years. I pay XXXX in property tax because Im a XXXX Veteran with permanent and total at 100 %. My city back in 2020 sent a tax bill about property taxes. So my mortgage company ( Crosscountry Mortgage ) sent what I had in escrow to my city. I knew nothing of this till in XXXX I received a letter saying that my mortgage is going up because my escrow is negative ( because of the property tax bill ). I called my mortgage company and told them that I am at 100 % and I dont pay taxes. So my City treasury sent two checks back to crosscountry and from that point my life will become hell. No call backs, no email replys. Nothing but a bunch of just typical passing the buck. I told several people at crosscountry that Im a XXXX veteran and trying to explain that I never paid property tax. Ive told them that Ive gotten so hopeless with this that I wanted to shoot myself. Ive mentioned to several people that I suffer from combat XXXX. Nothing happened! They just keep sending bills every month and I truly dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For the past 3 weeks I have called Wells Fargo multiple times in order to close my checking account. Multiple times I still on hold a for a hour before the call being answered and dropped. THe one time I was connected with a person I was told I would need to call back because they say a transaction pending. I asked for them to call me back but they refused. I am trying to close my account since I was charged a fee unexpectedly. It seems like Wellsfargo makes it really hard to close your account so they can continue to charge consumers fees. This seems like a shady practice.

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