BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX was advised to cancel online application and delete my info entirely.

CCPA submitted, XXXX, FDIC, Certified letter and still they opened and Ignored every contact to include documented cease and desist which they have repeatedly violated. 

They reported this fraudulent account to CRAs costing me thousands and countless hours of lost time for which i intend to seek damages for if left unresolved. 

I paid their whopping {$100.00} requested as my attempts to resolve amicably have been undermined at every turn and I never want to hear from this company again

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document

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 2021-08-16
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXXs failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX was advised to cancel online application and delete my info entirely.

CCPA submitted, XXXX, FDIC, Certified letter and still they opened and Ignored every contact to include documented cease and desist which they have repeatedly violated. 

They reported this fraudulent account to CRAs costing me thousands and countless hours of lost time for which i intend to seek damages for if left unresolved. 

I paid their whopping {$100.00} requested as my attempts to resolve amicably have been undermined at every turn and I never want to hear from this company again

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 2022-03-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently checked my credit report and noticed some inaccurate items reporting to my credit report. 

The following inaccurate accounts are XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Also there are a few inaccurate addresses as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have disputed multiple unauthorized charges with Chase. I was never given my provisional credit for any. I was reassured that I would for every charge. I was also told that they would contact me if they needed anymore information before making a decision. Not only did I not get a provisional credit but, no one never called me either. The unethical behavior of customer service is unbelievable. Someone really need to listen to all of my calls at the attitudes that any other company will fire employees for. I have been promised my money back for one of the two closed cases and chase didn't honor their word. I just want my money back even if it's tempy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. OXXXX 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with fair credit reporting fact XXXX  account XXXX has violated my right 15 USC 1684 section I have right to privacy 15 USC 1687section 604 A section 2 it also states a consumer furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card open -end consumer credit plan as late for any purpose I don't know how the used my name in on medicine insurance I'm XXXX my insurance pays most my bills I never received a {$2000.00} ever my bills never been over {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: MoneyLion Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid a debt from MoneyLion LLC I paid the full amount posted on my credit all though if was well over the amount l owed, but paid it and requested the amount to be removed from my credit. I never received any response from the Moneylion. The certified check was sent to their corporate office from my bank account and sent by check by certified mail via postal services. I have copies of all receipts that I sent to them as, certified check, receipt from bank account, post office receipt check was delivered. I have called MoneyLion to pay the directly to them but they said the information doesnt match and if could not be paid online. The have someone elses information with my information. I dont deserve this treatment

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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX, I signed paperwork to purchase a used car from XXXX XXXX in XXXX Georgia. The car had to go through a certified inspection before the dealer could release the car to me. I picked the car up from the dealership on XX/XX/XXXX. I drove the car to the freeway and then returned the car to the dealership. The car was leaking water and started shaking when I put on brakes. The car was returned to the dealer in less than a hour from driving it off the lot. The dealer did not want to take the car back and told me that I would have a car repossession on my credit. I handed the manager the keys and left the car at the dealership. 

My original plan was to finance the car with a loan from Bank of America. I called XXXX XXXXXXXX as I was driving the car back to the dealer, the person could not verify my information and advised me to call back. I called Bank of America back after leaving the car at the dealership. The person I spoke with told me they would put a stop payment on the car and advised me to apply for another car loan. 

The next day, Bank of America called me and told me I may be on the hook for the loan because of the contract I signed. Bank of America advised me to work something out with the dealership. The woman stated that if Bank of America gives the dealership the money, I would be responsible for paying the money back. I do not want the auto loan from Bank of America for purchase of this car.

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 2019-08-01
Company: Equitable Acceptance Corp
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from XXXX XXXX XXXX XXXX stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MO
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 express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct the inaccuracies on my credit report. Specifically, I have encountered significant difficulties in resolving the issue of late open accounts and the removal of a late closed account from my credit history. 

Here is a summary of the unsuccessful attempts and the issues I am facing : I discovered that there were late open accounts listed on my credit report that inaccurately reflected my financial history. These accounts have been incorrectly reported, causing a negative impact on my credit score. 

Subsequently, I initiated disputes with your organization regarding the late open accounts by following the dispute resolution process outlined on your website. I submitted supporting documentation and requested that these inaccuracies be corrected. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these late open accounts. I provided additional evidence and communicated with your customer support, hoping to rectify this situation. 
In addition to the late open accounts, I have also encountered issues with a late closed account listed on my credit report. This account should have been reported as " closed on time, '' but it has inaccurately been marked as " late closed, '' which is affecting my creditworthiness. 
Despite my continuous efforts to correct these inaccuracies and provide evidence to support my claims, I have not received a satisfactory resolution from your organization. The late open accounts and the late closed account are adversely affecting my creditworthiness and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, including the removal of the late closed account and the rectification of the late open accounts to accurately reflect my financial history. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly undermines the integrity of my credit history and financial stability. It is crucial that you take this matter seriously and resolve it as soon as possible. I am asking for your help to correct or remove the following accounts : XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Balance Owed : {$130.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
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:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
The Experian and XXXX accounts under my SSN had been used by someone else. 
On attempting to fix them to my name and personal info, it took a month and half to fix my XXXX. It's been two months now, and my Experian STILL hasn't been fixed even after faxing and mailing my documents 4 times now. 

I even found out from my XXXX report that the person who commit fraud has opened 10+ credit cards and a few loans under my SSN. I need to fix this ASAP.

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 2023-10-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-13
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made my monthly payment in full, on the day it was due. They payment was not acknowledged until the next day and I was billed a {$29.00} dollar late fee and {$55.00} in interest. I believe {$84.00} in penalties for a payment that was made on the due date, is excessive. My attempt to get the moneys rebated was refused by a phone rep and through the online banking message portal.

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 monetary relief
Consumer complaint received 2019-03-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient numerous times to negotiate a lower payment. I just neeed a lower payment for a short amount of time and they did not care. I offered to pay {$600.00} of an originally $ XXXX/mo student loan payment and they would not budge. I called my other loan company ( XXXX ) and they lowered my payment by 75 % a month for a year to help me get back on my feet. Navient is nothing but a predatory loan company that does not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CT
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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