BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX account has been closed for a year but TransUnion is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA

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 2022-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.

This has caused me defamation of character, severe hardships, P
ain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Innovis
State: OH
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 some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one  of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Substitute Parties Motion Granted from XXXX XXXX to XXXX XXXX XXXX XXXX which upon information and belief engaged in " Theft by Deception ''. 

XX/XX/XXXX Foreclosure Motion for Summary Judgment Granted for Principal Balance ; Interest from XX/XX/XXXX plus per diem {$8.00} ; Escrow Advances ; Fees ; Corporate Advances ; Suspense Balance ; reasonable counsel fees. 

XX/XX/XXXX XXXX XXXX stayed by attorney for loss mitigation with servicer. 

XX/XX/XXXX Entered into a trial modification agreement requiring an initial payment in the amount of {$7400.00} and six additional monthly payments through XX/XX/XXXX in the amount of {$970.00} which is an amount well in excess of regular monthly payment of {$630.00}. 

XX/XX/XXXX Trial modification completed and non-performance of permanent modification agreement by XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX letter to CFPB Complaint states, " While XXXXXXXX XXXX as Trustee may be identified as the nominal mortgage owner, and XXXX appear on certain foreclosure or other documents, as RMBS trustee, we have no authority to review and/or approve or disapprove of these decisions and actions. '' XX/XX/XXXX Loan allegedly sold to new investor owner however, no instrument at Recorder of Deeds. 

XX/XX/XXXX Notice of Sale of Ownership of Mortgage Loan sent by servicer. 

XX/XX/XXXX XXXX XXXX monthly payment in accordance with trial modification agreement with total payments in the amount of {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-22
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at approximately XXXX a transaction popped up in my Cash app account saying I have just sent {$450.00} to some person. I didn't do that. Then I got a text saying my phone number was unlinked from my account. Then I got a message stating my email was changed in my account. After that I could not get into my account again. On XX/XX/XXXX my stimulus check of {$1400.00} was deposited in this account and I still can't get in the account. I made numerous attempts to contact cash app by phone and email. With only one response asking for more information. I provided the requested information but have not received any answers or my money back yet. 
Can you please help get my money back I am XXXX and on limited income. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MO
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since XXXX  I can't sell on coinbase, I can buy and convert, but can't sell or transfer to wallet. I've emailed/called them about 15 times since then. They emailed me back once saying the problem was fixed, well it's not, and I never talked to a real person. When I go to sell it says my account is restricted. They're costing me tons of money and now I'm looking for legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On the day XX/XX/2020 the agency XXXX contact me to collect a debt to LVNV FUNDING LLC on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Southwest Credit Systems, L.P.
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 information incorrect

Complaint:
On XXXX XX/XX/2021 XXXX XXXX of SWC Group submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Here are the problems as follow : 1. The first problem is involving a transaction from an ATM on XX/XX/XXXX there are " two '' withdraws for {$400.00} this is not possible to happen as the maximum amount that can be withdrawn is XXXX per day. I have wasted hours of my time on hold with customer service representatives. 

On XX/XX/XXXX I also followed a complaint with the XXXX and they refused to even respond to my complaint in writing. 

2. There is a deficiency between the amounts deposited and the amounts debited from the beginning of the account to now. I am requesting an audit of my account. It doesn't take a lot of perspicacity or ratiocination to realize that Huntington Bank has what I would call rather questionable and unsavory business practices and I am sure I am not the only one that is experiencing these recesses in fair business practices and sound judgement. When a person comes to a bank they expect the bank to have some level of integrity and good faith. Perhaps my expectations of Hunington Bank are not realistic, non the same I am 3. I was given an inducement to open the account but what I was given was not the promised amount and then I got a 1099-INT that this was interest income and it is not this is misfiled and inappropriate.

4. I am requesting an accounting be made of my account as the deposits and withdraws do not balance from the accounts beginning to end. 

****I do have pictures but i was unable to upload them but you can text me at XXXX XXXX XXXX and I can text them or I can email them if you send an email requesting them. 


Thank you for your time and consideration to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I opened an online account at Chase Bank. I entered the wrong address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
My right address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
Now all my mail is getting delivered there. I have since changed my address at the bank but I am still not receiving any mail whatsoever. I submitted a Request to the United States Postal Service on XX/XX/2022 with Case number # XXXX. XXXX XXXX at the XXXX office has contacted me and that she would look at the issue. I have not heard from her since XX/XX/XXXX, at XXXX am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : 7085** has violated my rights. Or list of inquiries 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 reasonable cause to believe that the information is inaccurate.

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 2022-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Bread Financial Holdings, 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:
Back in XXXX Comenity Bank/ Victoria secret card reported that I had filled Chapter XXXX bankruptcy in error to XXXX credit bureau. After been aware I reach out to XXXX to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from XXXX nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from XXXX I reach out to Comenity bank, they kept giving me the run around saying they had already updated the Info XXXX. I kept disputing the errors with XXXX over 4 times, till finally in XXXX of XXXX I was able to get a letter from Victoria secret explaining the the error and sent it over to XXXX. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from Victoria secret, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
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:
I have a store credit card through Wells Fargo for a Mini Blind company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from Wells Fargo to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the 29th day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop 47 points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this 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 non-monetary relief
Consumer complaint received 2023-08-04
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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