BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
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:
Please refer to the last two complaints that were submitted. After my initial complaint of incorrect information being reported as well as an ADDITIONAL INCORRECT ACCOUNT being added to my report, I now see that my report has been improperly updated as well. In my last complaint, I reported that a closed account from XXXX XXXX XXXX was added to my Equifax report in the amount of {$1800.00}. I have an open account with XXXX XXXX XXXX with a limit of {$600.00} that is open and in good standing, and that is NOT the account that I was disputing. Today, there was remark added to my report stating that I am disputing both of those accounts, which is NOT ACCURATE! I clearly stated that I was disputing the account in the amount of {$1800.00} that Equifax incompetently added to my report while investigating my initial demand to remove inaccurate accounts from my report. Equifax has now put my report at further risk of false reporting and damage as XXXX XXXX could potentially close the open account that has and is in good standing due to MORE ERRORS ON THE END OF EQUIFAX. Please refer to Dixon-Rollins v Experian Information Solutions U.S Dist Court Eastern District PA Case Number 09-0646 ... Memorandum Opinion, XXXX XXXX XXXX. False reporting, whether due to incompetence or any other circumstance, is a direct violation of 15 USC 1681b ( a ) ( 2 ) as shown in this judgment, as is punishable by fine on the end of the data furnisher. I am currently in the process of filing litigation against this company and will seek compensation for punitive damages. False reporting and inaccurate reporting is a direct violation of the law and my rights! It directly infringes upon my quality of life, and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested that this company cease and desist all communication regarding this invalid debt. No value have been given and this company has no interest in this allegedly debt. I have challenged the identity and citizenship of shadow company XXXX XXXX, XXXX XXXX, Lakeview loan servicing and XXXX XXXX. They have filed illegal documents against me in the civil system and have continuously harassed me by interstate mail. false witness and no equity in this consumer contract that is being investigated.

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 2021-10-13
Company: Nelnet, Inc.
State: OH
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:
Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: GA
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:
Ive placed a fraud alert on my credit file. Equifax is still allowing my report to be pulled without my consent. Its been people fraudulently pulling my report. Please help me with this, this is a volation Per FCARA. I must look into getting legal help with this. The following inquiries are 1 XXXX XXXX XXXX 2. XXXX/XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.

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 2020-04-03
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a Victoria 's Secret credit card showing on my credit report. The status is saying that it is included in bankruptcy. This account was not included in bankruptcy. This is a violation of the FCRA. It has been paid off with their servicer XXXX XXXX  in return for them promising in writing to delete the tradeline completely from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: LAKEVIEW LOAN SERVICING, LLC
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: Other problem getting your report or credit score

Complaint:
For whatever reason my scores are so much lower with XXXX than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. Lake View XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.

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 2020-04-03
Company: Experian Information Solutions Inc.
State: RI
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: Other problem getting your report or credit score

Complaint:
Hello, I am simply trying to find out if my XXXX year old son has a credit report as a way of verifying that his social security number has not been used to take out credit under his name. The reason that I am trying to verify this is because I had lost his SSN, which was written down on a form that I had accidentally left behind somewhere. However, I have been unable to do so through www.annualcreditreport.com or the credit bureaus without having to mail in lots of information on him including his social security number and a copy of my ID, which I feel uncomfortable doing as it may pose more of a risk. I don't understand why I can't at least receive a confirmation stating that no credit report exists ; I do not feel that it should be this hard to be proactive for my child 's sake. Thank you.

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 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XXXX of 2020 Capital One Bank USA put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. I have been patiently waiting for this company to update this inaccurate late pay on my account but they have failed to do so. This late payment has caused my score to drop significantly for their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: SC
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested a temporary suspension of payments with Speedy Cash on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. Speedy Cash responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor Speedy Cash was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, Speedy Cash appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-04-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a balance in my paypal account and I want to transfer it into my bank account, but paypal keeps telling me there's a problem and they can't complete the transaction, without saying what's the problem. I tried its online assistant, but no such topic at all and not allowed to type this problem. I even can't find their email address to report this problem and their phone customer service was terrible. I just want to withdraw my money, if there is a problem, please indicate what's the problem, rather than just repeating 'there is a problem like an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Aargon Agency, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, 2023 I deposited a check from XXXX XXXX in the amount of {$64000.00} in my Chase checking account a few days later I deposited a check from XXXX XXXX XXXX in the amount of {$1800.00}. I was informed that the funds would be available on XXXX XXXX, 2023, when that date arrived the funds from both these checks were not available. I contacted Chase customer service and was told the bank had to ascertain that the checks were indeed issued to me and the bank needed a phone number to contact the issuing parties for that purpose. Both of the checks had contact phone numbers on them. I was told by customer service that those phone numbers, the ones actually on the checks, could not be used by Chase to verify the checks. I contacted both of the check issuers and was told the checks were legitimate and Chase should call the phone number provided on the check, I was given additional phone number but these were not acceptable either. I was also told that both checks had been cashed by Chase. I again contacted Chase and was told that Chase did indeed receive the funds but they could not be released to me until I could get a phone that was acceptable to Chase. I was also told that my account would be closed, which it was and I no longer have access to my past transactions involving that account. After my account was closed I received a check from Chase in the amount of {$9800.00} which was the amount in my account minus the {$66000.00} which was held back. I was told that the funds held back would remain with Chase for a period of time and then be sent to the government. I am not sure what that means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  on XXXX  XXXX, and there are many unknown ; suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
received a CC from USBank ( reliacard ) at the PO box of my vacation home that I did not apply for. Tried several times to contact the CC company to tell them that either 1 -- they sent me an unsolicited CC to an insecure, often unchecked PO box or 2 -- someone has stolen my identity and somehow intends to gain access to my locked PO box of my vacation home, but the only option possible was to activate the CC ... no option to speak to a customer service representative despite calling back several times and trying several options!

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