BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have repeatedly asked that my extra payments on my student loans be applied directly to principal, and that my due date not be advanced, and my student loan servicer MyFedLoan refuses to process my payments in the way I specify. I called today to express my dissatisfaction and spoke to XXXX. My student loan payment is {$240.00} and due on the XXXX of each month. Currently, my servicer claims that I do not have a payment due until XX/XX/XXXX of 2019. However, I pay {$450.00} monthly, with my regular monthly payment plus {$10.00} and I make two bi-weekly payments of {$100.00}. This is done strategically to hit the principal balance, lessen the interest accrual and pay the loans faster. My servicer refuses to put my extra payments directly on my principal balance, and despite my requests, maintains that it is within their right to apply it to interest first. 

I don't believe this is correct. Every other lender I deal with provides the option to make just a principal payment. Also, I believe that the consumer is allowed to request how their payments are applied. The way that they are applying my payments forces me to pay more interest despite my efforts to pay less interest and pay them off prior to maturity, which my loan agreement allows me to do without penalty. 

I would like this investigated as I believe they are in violation as to the consumer 's right to request how their payments are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX Fair Credit Reporting act XXXXt Account # XXXX, has violated my rights. 
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.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase closed my business account that I had opened for over 10 years for supposed compliance reasons. They asked me to come by so they could copy my DL. I stopped by at the end of XXXX at a local Chase branch and provided my DL which they scanned and told me I was all set. A few days later my account was restricted and sent to closure at which point my Chase business account rep could not do anything but have me open up a new account. I opened up a new business account and waited patiently for my $ XXXX funds to be distributed from my old account to deposit into my new account. After many emails, phone calls with my local Chase account rep, the local manager and Chase cooperate customer service, I still have not gotten anywhere. It's been over a month, and I found out today Chase fraud and compliance department lied to me two weeks ago when they told me my check was mailed on XX/XX/31. After my local branch spending hours trying to get to the bottom, they found out a check was in fact never mailed. Now they need more " documentation '' proving that I live at my address that I've lived at for over 10 years since my account has been opened. I provided my DL that has the same mailing address back in XXXX and they still need more information. I don't understand how any business can operate having their account be restricted, closed and no access to their funds for almost 3 months now. This is absolutely outrageous that Chase would withhold money for such an unreasonable and extended amount of time and continue to bounce both the client and its employees from one department to another giving them all a run around as to why the funds have yet to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Concerning Equifax. I tried to get free credit reports for over a month at myequifax.com. 

becasue they are incompetent and can not be trusted with Americans personal credit information. 

I could not access my report through that porital. 

Then I fled a complaint with CFPB and Equifax emailed me with information that also would not let me access my credit report. 

I tried to email them four times over apporoximately the last month, with no resonse from Equifax. 

Could you please fine the XXXX out of these incompetent and vindictive XXXX? 

When I finally get my credit report I will probably file a lawsuit for reporting violations of the FCRA, since XXXX, 2019. 

Eqiufax knows this and is intetionally stalling giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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:
Equifax, XX/XX/XXXX andXX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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

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 2023-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2023-11-13
Company: Crow Creek Sioux Tribe
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I needed a loan to help cover a bill for XX/XX/XXXX so on XX/XX/XXXX I put in for a loan. I was directed over to XXXX XXXX where they gave me a loan for {$1000.00}. The called me before signing just to let me know when my first payment would come out but I did not receive payment schedule or disclosures until after. I looked at them and realized it says my interest rate is 670.99 % which i would have never agreed to and no one disclosed ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called multiple times to Affirm to discuss validating debt. Tried to email to get my request in writing but they do not monitor their email address anymore. Their additional help is just a link to a Q & A.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX years old with over 800 credit score, and over $ XXXX in A Chase Accounts, i own four properties totally paid off. 

I been banking with chase for over 10 years, yet I have applied for two credit cards with chase and they have denied me. they wont give me a good reason why or attempt to resolve the matter. 

I feel i am getting discriminated either because i am old or XXXX. there is no good reason why they should deny me a credit card but they do it. i need some help here. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I call them XX/XX/XXXX but said not show in the On the record and tell remove from my credit report but keep ignoring that and XXXX XXXX/ XXXX also Jefferson capital LLC and XXXX XXXX XXXX and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021, I attempted to log into my checking account online. The account was locked, so I called the bank. I was informed that five-wire transactions had occurred in my account. I file a fraud claim because I did not perform the transactions. I have called the local chase bank location, the corporate office, and the FDIC. I have received calls back to tell me that the issue is still being investigated. Over {$2800.00} was taken out of my account in their bank under their security. I'm so frustrated. I have never wired money, nor have I ever sent money out of the country. This money is used for my daily living, and I have been on hold for too long. Please let me know what other options I can try. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I need to complain against this company today for listing my loans on my credit report incorrectly. THe loaner has failed to not only fix the issue, but call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, violated my rights. 


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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I spoke with a representative of Roundpoint Mortgage to apply for deferment of the balance owed to the maturation date of the mortgage. I was told the application takes XXXX weeks to review. 

I received a letter from Roundpoint mentioning total due at the time, unfortunately I do not have it with me as I'm traveling for family emergency. The amount listed was over XXXX but did not mention my deferment. I called in on XX/XX/XXXX and the automated system informed me they were still reviewing my application so I opted not to speak to anyone and await their decision. 

Today I called as I have received nothing from them about my application. I was informed they sent me a solicitation letter on roughly the XXXX, the day before I left to tend to family business, and that this letter probably cancelled my application. I've resubmitted my application which will take up to 30 days to review. 

I am fully capable of resuming my normal payment but feel that I am being pushed further and further back in an effort to force me to default.

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 2022-05-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.

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