BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-04-23
Company: GUARANTEED RATE INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have notified my mortgage company ( Guaranteed Rate ) several times that the property tax assumption on their websites is inaccurate for my duplex. In short, the city incorrectly classified my property as a commercial property and I have since had it re-classed back to residential. The current property taxes owed are almost half of what they have listed on their site. They have yet to change that information and my payment is almost $ XXXX more a month than it should be due to this inaccuracy. At my last verbal conversation with them, I said I am refusing to pay my mortgage until they fix this issue. So far the mortgage isn't late, but if they don't fix it by month-end it will be. I want to pay my mortgage, but I want the payment to be correct based on the right tax rate. I also want them to refund the escrow overage as a result of the inaccurate escrow assumptions on their site, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX  XXXX XXXX has been paid off XXXX called about my title and no results. As of today XXXX I still dont have my title. Also please look into gap insurance and what maybe owed. Thanks.

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 2019-06-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX  EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX  PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN 20 YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also! 

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 an 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. 

XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX  : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  FIN : ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I was notified that American Express decided to close my new account. I do not have many cards, but finally agreed to get a new one based on the offers I received from American Express. I used the card to send myself money via XXXX. This is an activity I do with other cards and it creates no issues. I was told that this violates the Cardmember agreement. This provision is buried in the agreement. I was surprised that I was not notified not to do this again prior to termination. If this is an offense that results in immediate account closing than it should be clearly and conspicuously disclosed to the consumer at the time of account opening. This was not the case in this situation. I think this sort of activity is Unfair and abusive under the CFPB 's operating law. I would like the action to be investigated and it would be helpful if the customer could make its policies regarding electronic payments and banking more obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint and I have attached my ID and Social Security Card for verification. I checked my credit report and noticed some fraudulent, inaccurate, and incomplete information. I will list these accounts below ; please conduct a reasonable investigation and DELETE these accounts off my credit report XXXX. US DEPT ED XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  ) XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX. U S DEPT OF EDXXXX XXXX DP OF EDUC XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account with XXXX ending in # 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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close my accounts with Chase several times over the phone and twice in branch, but never had success. Customer service representatives seem to have endless line of excuses why I can not close the accounts. Chase banking products simply do not meet my needs anymore. Free checking accounts from other banks match or exceed the functionality of Chase checking account. Many banks are offering 1.60 % or higher interest on savings account as compared to Chase 's 0.01 %. Chase trading platform on You Invest Accounts is not functionally comparable to even XXXX, nevertheless to offerings of firms such as XXXX, XXXX, and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX-XXXX   Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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 never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to Equifax and XXXX multiple times. This is fraudulent. I am sick of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: OK
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 tried numerous times, time after, time to have a few accounts removed off my credit report and finally had success with a few but only with one or the others from the bureaus below in listing what accounts in having issues with and what bureaus. 


XXXX XXXX {$4200.00} XXXX XXXX, EXPERIAN XXXX XXXX HAVE CONTINUSLY DENIED DISPUTES NCA- {$440.00}, denied by all 3 bureaus XXXX {$440.00} DENIED BY ALL 3 BUREAUS XXXX- {$230.00} XXXX & EXPERIAN

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I received an alert on my credit file of an unknown inquiry. Please investigate and delete immediately XXXX XXXXXXXX XXXX ( XX/XX/2023 ) I am not liable for this inquiry its fraudulent.

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