BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello, I notified Experian more than 3 times about Credit Inquiries reporting on my credit report in error. I never even receive a response. 

I have attached a current Experian report dated, XX/XX/XXXX. Experian is still reporting 2 Hard Inquiries past the removal date. Those Hard Inquiries are for XXXX and XXXX. The inquiry for XXXX is dated XX/XX/XXXX, and the inquiry for XXXX is dated XX/XX/XXXX. These are both past the 2 year reporting dates. ( See Exhibit 1 ) Also, Experian is reporting a Hard Credit Inquiry XXXX XXXX XXXX that is not correct. The XXXX inquiry is dated XX/XX/XXXX. I never provided consent for XXXX to do a hard inquiry. I provided consent for a soft inquiry. I contacted XXXX and they said they are not sure why Experian is reporting a Hard inquiry because they do not even report to Experian. The email attached and dated XX/XX/XXXX, is proof that XXXX notified Experian about removing the hard inquiry. ( See Exhibit 2 ) However, Experian is still reporting the inquiry in error.

I am asking for the 3 highlighted hard inquires to be removed immediately as provided by law. ( See Exhibit 1 )

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 2021-02-09
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Actually Im just trying to get information about my current loan. I need them to send me a mortgage note that Ive been requesting daily on their website and no response. Ive been on the phone for over 3 hours today trying to get a live person. Got one finally and hung up when I asked to speak to a supervisor since their delay in providing me with my documents are causing me to not be able to get a home equity loan from another bank.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received the unemployment debit card and called the number on the back of the card. XXXX the outside USA XXXX .icall the number several time at a bank on my cellphone and it did not allow me to create a pin number or reach a live person to speak to.i return to my apartment to access a land line phone with someone to hear the process and responses. I was given the response YOU HAVE EXCEEDED THE NUMBER OF TRYS TO ACTIVATE CARD. on the land line phone we could not get customer service at any number we tried to press. The called was then disconnected after being told we exceeded the the attempts to activate unemployment debit card. I called consumer Bureau to file complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Affirm Holdings, Inc
State: MS
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:
Company reporting 3 loans on my XXXX report past due. I have made payment on time and 2 of 3 loans are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}

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 2023-06-26
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/20 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 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 2022-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I mailed a money order, in the amount of {$100.00}, to XXXX Chase Card for monthly payment due on the XXXX. When I received my XXXX statement, there was a late fee, in the amount of {$38.00}, charged. 
I called the company, on XX/XX/XXXX, to ask the reason. I was told because they " received it on the XXXX ''. 
I explained that the law is the mailing is effective/valid as of the date stamped on the envelope, by the United States Post Office . I further explained that I do not have control over or can account for when the USPS delivers mail, or, when the company receives it AND/OR DECIDES TO OPEN mail! Therefore, they must remove the late fee and cease and desist charging late fees for payments postmarked on or before the due date. 
They refused and claimed they only charge according to when my payment is " digitally received. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A payoff was sent to TD BANK for XXXX XX/XX/XXXX and I confirmed that they have the funds to pay off the mortgage since XX/XX/XXXX and as of today XX/XX/XXXX it is still showing not paid. They say they are going to credit the payment every time I call. I do not want them to report a late pymt and I want them to credit the payment as of the day they received it ... XX/XX/XXXX. I've had to put in several complaints about TD BANK in reference to the servicing and I will be happy when this is paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
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: Their investigation did not fix an error on your report

Complaint:
I sent a signed affidavit to Experian and it was ignored.

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 2023-01-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OZK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/2023 I closed my checking account with XXXX XXXX  in XXXX XXXX, Florida. I zeroed out the account balance with a teller at their XXXX XXXX XXXX location and surrendered my debit card to be destroyed. My account was closed per the teller 's confirmation. I have since received overdraft fees for charges to the account, and have been informed that the account will remain open until I pay the sum of {$100.00} to the bank. I left XXXX XXXX due to their predatory overdraft fee structure, and now they are insisting that I pay back funds which I did not authorize as they were billed to a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My dad passed away in XX/XX/2021. I submitted all of the paperworks and his death certification to Bank Of America estate department per their requested, it took them over a year to approved that account is closed. I called and spoke to the reps many times and still don't received funds from my dad 's account. The remaining funds in the account is getting worth less over the time based on inflation and they don't care.

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 2023-01-15
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: Personal information incorrect

Complaint:
Ive tried to change my address for years and delete those unknown addresses but they keep popping back up i have a new address now and those addresses still come up

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 2020-10-01
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: Information belongs to someone else

Complaint:
I disputed an account ( XXXX XXXX XXXX listed on my credit report. I have been disputing it for a month. Its not my account. i have submitted my lease, my electric bill and various other evidence showing i never lived at the the address XXXX XXXX  is trying to collect for. Experian has chosen to ignore all the evidence, plus the fraud alert and multiple notices saying my SSN has been compromised from their own company and kept this fake account on my record damaging my credit. I also have spoken with reps throughout this process and submitted information. I spoke with a rep on XX/XX/20 who stated that the creditor XXXX XXXX   had not responded. It should have been deleted when I was on the phone. Experian is violating the FCRA by keeping this account on my credit and not investigating.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously sent in a FTC report and Police report because I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX and XXXX XXXX XXXX : My name is : XXXX XXXX - DOB : XX/XX/XXXX SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Name XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate and/or may belong to family members. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX My current telephone number is : ( 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 2020-12-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed items on my Experian, XXXX, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.

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