BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked 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 of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-08-25
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile two times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed

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 2023-08-02
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Attempted to open a binance.us account. After providing them documentation which they said would work, specifically my mortgage information, they asked for more information such as a bank statement. I provided that and heard nothing back for a week. I then submitted a request to close my account as I am concerned about what is happening here. After I submitted that request they sent me back a message saying my account has been setup. I have since then asked in writing 3 times for them to close my account and nothing has happened yet. Customer service is no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$470.00XXXX XXXX XXXXXXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.

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 2023-07-27
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the level up funding loan on XXXX XXXX for the amount of {$400.00}. The company has taken out an amount of {$54.00} each week since then totaling an amount of about {$600.00}. The agent did not mention that I would have to pay almost triple the amount of the loan back to XXXX XXXX XXXX. I have an option to complete the loan payment in full for a total of {$430.00} on XXXX XXXX. If I dont pay that amount on the next installment I will continue to pay {$54.00} each week until XXXX XXXX. Which means I have {$1400.00} left to pay. This does not make any sense to me as I only took out a {$400.00} loan and have to pay back more than {$2000.00} dollars. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Credit Center, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My son had an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The team 's medic called for an ambulance and he was taken to XXXX XXXXXXXX XXXX ER XXXX XXXX XXXX XXXX There were XXXX separate bills for that event : The ambulance, ER visit, doctor, and XXXX. I had private insurance ( primary ) and I was told to file a claim with the school 's insurance company ( secondary, ) which I did. As I got the bills I called the hospital and was told to wait until both insurance companies paid, and that then I would get my bill for the remainder. I paid the ambulance in full and put the other bills on a payment plan. During the time I was paying off the balance, XXXX Hospital changed companies in charge of payment/billing and that's when mistakes started to happen. Payments that I was making to one account got credited to the wrong account. The hospital 's bills to me didn't reflect the secondary insurance payments which were made -- and I had confirmation numbers from the secondary insurance company to prove it -- but they only noted the primary insurance company 's payments. I was in touch with both insurance companies and the hospital during this time trying to correct the records. I finally confirmed with all parties that the bills were paid in full and filed away my records and copious notes. Thankfully I kept all of them because in XXXX I got a notification from my credit-monitoring service that I had a new negative report on my XXXX credit report from a collections agency in XXXX XXXX ( CCI. ) I had no idea what this was for. ( My credit score is over XXXX. I have no late payments on any of my credit reports from all 3 agencies. ) I was told the collection was for XXXX XXXX. Here is where the action was improper : I had no communication from either XXXX XXXX or CCI that this bill was due or that it was going on my credit report. In fact, if I didn't pay for a credit monitoring system, I would not have know this was on XXXX. I talked to the manager at CCI countless times, emailed him proof that the hospitals billing company had not entered the secondary insurance payments, and he admitted that I should've been notified before this went to XXXX. He said as a " courtesy '' he would take the stain off my record, to which I replied, " it's not a courtesy, it's your obligation, and you harmed me in an unlawful way. '' To make matters worse, I just got another bill from CCI for over {$200.00} for the XXXX Hospital bill. It isn't itemized, it's just a demand that I make a random payment. After everything I've been through with them I don't trust nor believe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
I have reached out to TransUnion XXXX and XXXX and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  these items need to be removed at once

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 2023-07-11
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
XXXX is in violation of said section for furnishing this information on my consumer report, that was obtained UNLAWFULLY and illegally from Lexis Nexis under false pretenses in which they've obtained it from online electronic systems known as PACER. 
This is not a dispute, more as a formal complaint nor request for validation or verification but a DEMAND for compliance in regards to your fiduciary duty and affirmative obligation to respect my right to privacy and to protect the security and confidentiality of customers ' non-public personal information.

Your duty is to also maintain the integrity of records and protection against threats.

You have 4 days to remove and block this information from my consumer report in accordance with 15 U.S.C. 1681 c-2 as it resulted from Identity theft and Without my written consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the XXXX time that Guaranteed Rate is refusing to pay my property taxes from my escrow account. I have paid every mortgage payment on time and they require a portion to go into an escrow account. By law, they are required to use these funds to pay my property taxes. For the XXXX time in a row, my property taxes are now listed as delinquent. On XX/XX/XXXX, I sent my property tax bill to Guaranteed Rate. They assured me that they would be paid on time. I have called and emailed multiple times with no answers. They have escalated my concern multiple times and there are still no answers. I can not continue to wait for them to pay my property taxes. After months of calling and emailing and a complaint with CFPB, they finally paid the XXXX property tax bill but then they charged me the late fee. It took another couple months to get that fee refunded to my escrow account. Now I am in the same boat ... filing a complaint. I will never use Guaranteed Rate for a mortgage again. I am currently working with a local bank and it is 100 % better. People have answers, and the mortgage won't be serviced by Guaranteed Rate. My rental property will be forever doomed ... I just hope they get their act together so I do no have to submit a complaint with the feds in order for them to make a simple payment twice a year. It is such a waste of my time and money to have to do Guaranteed XXXX 's job for them. So many other better company 's out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the 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. 
15 U.S. Code 1681s2 - ( 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : 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 2022-04-07
Company: LendingPoint Holdings LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone did a hard inquiry on my credit XXXX XXXX and it says there is an installment loan but it does not belong to me! 
I tried to call the company listed and if the and it belongs to a rewards program and there is an automated message and then it hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: MI
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:
As a customer, I respectfully disagree with the response provided by JPMC regarding the late payment reporting on my credit card account ending in XXXX. While I appreciate their response and willingness to assist, I believe there are valid reasons why the late payments should be removed from my credit history. 

Firstly, I have spoken with the credit reporting agencies, and they have acknowledged that late payments related to COVID-19 hardships should not negatively impact my credit history. The COVID-19 pandemic has caused financial difficulties for many individuals, and the government and financial institutions have recognized this by implementing various relief measures. It is essential for JPMC, as a responsible lender, to take into account the exceptional circumstances brought on by the pandemic when reporting late payments. 

Secondly, the Fair Credit Reporting Act ( FCRA ) emphasizes accuracy and fairness in credit reporting. While the Cardmember Agreement may state that JPMC can provide information to credit reporting agencies, it is equally crucial for them to ensure that the information furnished is accurate and up-to-date. If there were extenuating circumstances, such as those caused by the pandemic, that led to the late payments, it is only fair that these be considered when reporting to credit bureaus. 

Moreover, Regulation P ( Privacy of Consumer Financial Information ) does not supersede the FCRA 's requirements for accurate credit reporting. Both regulations should be interpreted and applied in a manner that upholds consumers ' rights and protects their financial well-being. Reporting late payments caused by circumstances beyond the consumer 's control, such as COVID-19, is not in line with the spirit of fairness and accuracy promoted by these regulations.

I understand that JPMC has received a dispute from the credit reporting agencies regarding my account. However, it is my right as a consumer to communicate directly with JPMC regarding my credit reporting concerns. Ignoring direct correspondence from customers can hinder open communication and resolution of disputes.

In light of the above arguments, I kindly request that JPMC reevaluates its decision and removes the late payments from my credit history. I believe this is not only fair but also in accordance with the FCRA and the guidelines set forth during the pandemic to protect consumers from undue harm to their creditworthiness.

I look forward to a positive resolution on this matter and request that a response be provided directly to me to ensure effective communication and transparency in this process. Thank you for your attention to this matter, and I hope we can reach an agreeable solution promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation