BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
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: Was not notified of investigation status or results

Complaint:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
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 2022-10-11
Company: Halsted Financial Services, LLC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMPLAINT # XXXX IN CORRESPONDENCE FOR MORE TIME ON THE FIRST COMPALINT TO THIS CORPERATION 30 DAYS IS ENOUGH TIME TO FIND THE ALLEGED DEBT THAT HALSTED HAS HARRASSED ME ABOUT OVER AND OVER AGAIN.

IT HAS COME TO MY ATTENTION IT HAS BEEN OVER 30 DAYS AND YOU ARE TO BLOCK AND DELETE THIS INFORMATION IMMEDIATELY DUE TO VILOATING MY RIGHTS AND BEING THAT I DID NOT DO BUSINESS WITH SAID ENTITY HALSTED IS NOW IN DEFAULT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: MN
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 contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 2021-01-06
Company: EQUIFAX, INC.
State: NV
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:
I have tried to request my Equifax online and in writing and have still not received a copy of my Equifax credit report. I have had not troubles obtaining it with the other bureaus but for some reason Equifax is not responding to my request. I even sent the request certified. I have attached proof of the letter I sent certified as well as the tracking showing they did receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2019-01-12
Company: Fay Servicing, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
O/n XX/XX/2618 I contacted Fay Servicing by email to follow up on the payment deferment request my wife made on by phone a few days before. I did not receive a reply from them until XX/XX/18 after I filed a complaint with CFPB on XX/XX/18. 

On XX/XX/18 my wife and I submitted the application for deferment with all required documents explaining our financial hardship situation. After two months, we received a letter dated XX/XX/18 from Fay Servicing stating : " ... unfortunately you are not eligible for an alternative to foreclosure. Our review indicates that, although you may have a hardship, you do not qualify for any available loss mitigation options ''. However, Fay Servicing did not explain in the letter why we are not eligible for payment deferment, even though we may have a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX I went with a family member to Chase Bank as my witness on closing my Chase Checking Account, but Chase Bank Rep.stated that I have a debt of {$2000.00}. 
I notice there is over {$1000.00} on overdraft fees and other fees. 

Respectfully, I like to close my account immediately and If I have authorize charges with purchases from any retails Store, etc., than Chase Bank has to provide me evidence of purchases. 
Also provide evidence of my hand written signatures of purchases that I made at Retails or Shopping places, etc. 
If I owed less than {$1000.00} to Chase Bank than like to have a payment arrangement of around {$50.00} a month until charges is paid. 
I am going through a financial hardship setbacks because of my employment has cut my Daily hours and soon my employment will be terminated as my employer is downsizing on work force. 
I have been employed for my company for over thirty years and now I am facing a loss of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my car at beginning XX/XX/. The new owner informed me there was lien against the car by Ally Finance per XXXX. XXXX stated an Lien Release should have been sent out. The car was paid off XXXX XX/XX/2023, I contacted ALLY Finance about the lien against the car, not receiving any paperwork stating it was paid off or Lien Release . They state they did not know why it had not been release and they would send paper by mail only. They would have to mail it taking 10- 12 business day. After waiting the informed time, I call back numerous time and was told it was sent out in the mail. An letter was received on XX/XX/2023 stating car was paid off. On XXXX, I took copy of title and letter to XXXX. I was informed the letter received was not a Lien Release. A basic letter stating car was paid off without the require Seal/Stamps and not acceptable by XXXX. I call back to ALLY Finance and they pretended to not know why this letter was unacceptable by XXXX and they would just send out another letter in 10- 12 business days. AT this point the car has been returned back to me. the tags have been return to XXXX and there is not insurance on the car. ALLY Finance has refused to provide the Lien Release for the car and XXXX is suggesting I go to another location and speak with someone about this issue, but there is no location in my area.

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 2021-01-06
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a complaint against Comerica Bank. The bank rep named XXXX XXXX sent me a letter s that she will be closing my account on XX/XX/2020, due to no reason. Upon numerous requests to explain her reason for closing my account, she did not disclose why she is closing my account. Instead, she was laughing and giggling, she said I am just doing this based on one of the Managers instruction. She would not give me further details. Thus I am unaware of this sudden closure. Comerica bank has horrible reviews on XXXX, etc and XXXX XXXX XXXX. 
Although, Comerica did not share any reason for this account closure, they kept on charging me numerous bank fees which should not be charged to the type of account I had. 
Employees of Comerica also shared their concerns about poor Management and customers not been helped, and Management overloading work, etc. The teller gave me the District managers phone number to call and discuss this. However, I was unsuccessful in reaching him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-07-14
Company: Trident Asset Management, L.L.C.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX TRIDENT ASST ( Original Creditor : 08 XXXX XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am behind on my private student loan and have tried numerous times to get my payment lowered. Every time I try Navient fills out a financial statement and at the end I have a negative income to be able to make the monthly payment. Now they are excessively calling me. I have logged 11 phone calls in the past 7 days and I read that in late 2021 there was an amendment to Regulation F of the FDCPA which now prohibits a debt collector from making more than 7 calls in 7 days to a person who owes the debt. I have spoken to XXXX from Navient and she said that Navient was aware of this and was breakling no law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Procollect accepted the terms of the payment sent which were VERY clearly stated when they posted the payment to the account. The terms of the agreement should NOW be followed.

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 2022-11-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
email from XXXX XXXX XXXX XXXX prize maybe spam credit card " refused ''

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have one XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

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 2020-12-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX My XXXX Husband was subject to XXXX discrimination at CHASE BANK XXXX XXXX XXXX Washington. XXXX XXXX, XXXX XXXX and I complained about this treatment. Extra identification asked for. Stalled deposit. Etc. 
XXXX. 
A VETERAN XXXX, had XXXX during pandemic. On XXXX  and needed power paid. He was CHASE customer too. I begged CHASE to help XXXX XXXX get his power paid and he wanted a headstone. Chase told XXXX police and adult protective services that we may have harmed or Killed veteran WE PAID to feed since XXXX. Falsely and With malice made up stories to have Police check on XXXX and investigate ALL our accounts. Which showed we didnt not take advantage of XXXX. XXXX told police that he wanted to transfer to my chase all his money. Im old school wanted check paid directly for two bills. I said NO to transferring me money. CHASE denied POA from me. Then AGAINST THE XXXX NURSES wishes CHASE and a neighbor set up to bring veteran XXXX XXXX into XXXX XXXX XXXX with XXXX and XXXX XXXX became joint Account. XXXX was on XXXX XXXX. XXXX  XXXX patches. XXXX XXXX XXXX. 
Our area was epicenter. Pandemic XXXX no immune system. Dangerous and wrong. XXXX and chase bounced care giver XXXX walls paychecks. XXXX took thousands from XXXX. We feel CHASE employees intentionally mislead police and XXXX about the ask for CHASE to work directly with XXXX via XXXX camera and I brought his debit card and expired license and veteran ID. XXXX ASKED me to show them video and ID to get them to help him. XXXX died 2 weeks ago CHASE cheated him out of his headstone and chase employees helped the veterans money to be accessed by a person who took thousands. 
CHASE bank seems to think this is all fun and games and they have the power and right to lie about customers. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I request a copy of my credit report and once I gout it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice

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 2023-02-08
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation