BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received. 
XXXX XXXX number XXXX XXXX XXXX XXXX XXXX They validated this inquiry and I sent a letter asking for proof of validation on XX/XX/XXXX and have not at all heard anything back. 

At this point, my rights as a consumer to fair and accurate credit reporting is being violated.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
My XXXX  case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and XXXX  showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to XXXX  and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports XXXX  deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first house using my VA Loan and now that has been jeopardized. When I contacted XXXX  to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report XXXX  because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX XXXX XXXX XXXX XXXX and I hope this could be rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Investigation took more than 30 days

Complaint:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-09
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Hello! 
I had my Chace Freedom Card was more charging, unauthorized {$230.00} amount. 
From XXXX XXXX XXXX on XX/XX/2022 year .I disputed with representative many times with not success to avoid this money. 
I add all the information about my Complaint. 
Sincerity, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: GA
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 tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.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 2023-05-16
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: Was not notified of investigation status or results

Complaint:
I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable

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 2022-04-18
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I have disputed several times to XXXX and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XXXX of XXXX my Husband and I filed for XXXX XXXX  XXXX  We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.

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 2019-11-25
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I tried to transfer money to my son 's girlfriend but could not. I called Chase and they informed me there was a dispute on my account by Mr. XXXX XXXX on a {$600.00} transfer he sent me on XX/XX/XXXX. I was unaware of any issue, but told the bank I would check with Mr. XXXX. Upon speaking with Mr. XXXX, he said he has not filed any dispute or anything about this transaction. On XX/XX/XXXX, Mr. XXXX and I spoke with representatives from XXXX  XXXX XXXX. We were told at that time that no dispute was filed. I then called Chase. I was then told that the dispute was via the XXXX app feature of the XXXX  XXXX XXXX account. Mr. XXXX and I then called XXXX XXXX XXXX again. Again, we were informed there was no dispute filed either by XXXX  XXXX XXXX or the XXXX XXXX originating from Mr. XXXX 's account with XXXX  XXXX XXXX. I then called Chase. From that point it has been call after call. I was given no timeframe for resolution and no opportunity to prove my account was wrongfully frozen. I have spoken to agents, supervisors, even representatives from the CEOs office. No one can tell me why my account is still frozen when I have provided them with my assertion that no dispute has been filed. No one can tell me a timeframe or give me any indication when my funds will be released. At this point, I feel that Chase is in error by continuing to withhold access to my money when no one has filed a dispute and no one has offered proof of said dispute. I am asking that my account be released immediately so that I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX  XXXX credit card serviced by XXXX XXXX reported late pays on my credit report after several attempts to reconcile and pay off my credit card balance. 
When the card was first opened I contacted them to set-up auto-payment. They scheduled a recurring payment of {$100.00} every month until balance was paid in full. 
The very last payment of {$100.00} was not taken because my balance at the time was only of {$14.00}. I called and manually paid the last amount owed of {$14.00}. I then hit with a late fee that was never disclosed to me at the time. I was penalized and paid a total of {$57.00} on XX/XX/18 in fees after my balance was completely paid off. I spoke with customer care collections supervisor, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my XXXX credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 1 ) now com XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX. I pulled my XXXX report and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pulled transunion credit report and noticed XXXX fraudulent/unauthorized inquiries XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX. XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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