BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE 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 2018-02-06
Company: GREAT LAKES
State: NC
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:
FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
after the first CFPB complaint ... .they reopened my savings account back up. 
but then closed the checking account ending... XXXX, where the bank fraud occurred by chase foreign employees and possibly directed and coached by US chase bank employees years before .... they refused to send the military veterans direct deposit back to the US treasury. the chase bank get federal US treasury direct deposit warning notice every XXXX of the month. 

after the criminal complaints about the XXXX chase bank employees from the XXXX  and XXXX colluding to harrass and tempt to compromise my bank fraudulantly... proceed to further harrass me by blocking my checking account. 

most of the chase bank employee fraud occurred in this checking account ending... XXXX. 
i can not access the bank records and notes to provide as evidence. 

-- -branch manager from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... verbally only told me my account were closed on or about XXXX XXXX or XXXX CHASE BANK REFUSED TO RETURN THE DIRECT DEPOSIT BACK TO THE U.S. TREASURY AFTER THE BANK CLOSURE AROUND XX/XX/XXXX TO XXXX. 

there multiple conversations stated by the branch manager of XXXX XXXX chase bank XXXX  XXXX XXXX my account was closed from XXXX XXXX XXXX and by multiple chase employees. yet they refused to send a chase execustive secure messages of this letter and then chase bank employees stole my money... .and was told all deposits will be returned back to sender. but US treasury stated ... chase bank has taken the money and didnt rejecto r send the money back to the US treasury of the customers military veterans benefit payment. 

this is what happens when jobs goto foreign countries in which vital government / military financial information is handled and access by foreign countries. this is a dangerous prelude to XXXX activities and the comprising of former government / military financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
State: NC
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:
I previously reported in complaint XXXX that Experian would not provide me a complete copy of my annual credit report when requested. Today, I received a postal card with no sender identification of any kind asking me to provide personal identification information, copies of receipts, photo ID, and more by US mail. No credit reporting agency is named on the card, no contact telephone number, no send-to address provided, only XXXX XXXX XXXX  in XXXX Texas. Experian 's real address I discovered on the Internet is Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX. 

I should not have to provide additional information to Experian in any event, Experian already recognized my name, account, password, address, and validity when they provided on-line access to my report which was mostly blank as explained in complaint XXXX. All the creditors were correct, but the relevant data missing. 

Experian is simply trying to make this request as difficult as possible.

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 2023-01-28
Company: EQUIFAX, INC.
State: LA
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 Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I received a copy of my Equifax credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MD
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:
Dept of XXXX/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: AL
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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO XXXX XXXX WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY TRANS UNION   CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON TRAN SUNION IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2021 I did forbearance with Wells Fargo mgt company. I received a grant that paid majority of the forbearance amount off. I was told that it would not go on my credit report as being a late payment however I just found out Wells Fargo reported the forbearance as late payments and it has impacted negatively on my credit report. Also Wells Fargo told me the forbearance would go on the end of my mgt but they modified my mgt loan.

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 2020-02-02
Company: EdFinancial Services
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO ED FINANCIAL WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY XXXX XXXX CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON XXXX XXXX IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-04-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax allowed inaccurate and fraudulent info to re-appear on my credit report after the info was previously disputed and deleted due to fraud and identity theft. This is impacting me adversely as I am in the process of securing a mortgage and this inaccurate information is being reported negligently. I was not provided with any documentation that would verified any alleged debts as belonging to me and have also provided a police report, FTC report in addition to a certified letter from a previous employer that explains a data breach. Equifax is violating several federal laws and also their actions are adversely impacting me with the gross negligence of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company was sold to another company I believe. It just popped ip on my credit report in 2022 and says that it will continue to report for another XXXX  years id so. This is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
CRA refuses to investigate my previous dispute regarding a derogatory ( Bankruptcy ) public record that they are still reporting, and refuses to re-investigate. 

Experian has never contacted the data furnisher of information regarding my dispute, rather is using a third party vendor known as XXXX XXXX. 

I'm requesting an investigation how the bankruptcy came to be on my credit report, or that the derogatory public record is deleted within 30 days.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the 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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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