BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
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 sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2020-06-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am trying to delete ERRONEOUS Name Variations of MY CORRECT LEGAL NAME ( XXXX XXXX XXXX ) from my Experian Credit Report. These erroneous name variations are : 1. XXXX XXXX XXXX, 2. XXXX XXXX, 3. XXXX XXXX, and 4. XXXX XXXX XXXX. I went through my EXPERIAN.COM website Account Dispute Center to accomplish this task ; but the EXPERIAN.COM WEBSITE Dispute Center would not let me do it online, I have to call Experian ( See Attached ). The website was created by Experian to make it EASIER for consumers to maintain ACCURATE Experian Credit Report Information. The Experian website already SCREENED ME and VERIFIED MY IDENTITY when I created the Experian Account ; so why do I have to DOUBLEDOWN and call Experian also?

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 2023-03-30
Company: EQUIFAX, INC.
State: MS
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 disputed XXXX XXXX information with the bureau and it came back verified. I reached out to the account holder and the company said they had no information or an account affiliate with the information I provided which was a copy of the credit report my drivers license and a utility bill. I asked them to provide the procedure in which you verify records with the credit bureaus. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
target put unrecognized transactions on my account, now they want me to go through a security survey through the post. 

I disabled online services and now can't manage my red card. 

they asked for the last 4 digits of my drivers license. information I've never given before. 

a target representative named XXXX. 

I sent another email.. 

I added screenshots of my order history and sign in history. 

the unrecognized transaction was on XX/XX/XXXX I've had to spend 10 minutes on the phone to a paid employee practicing unnecessary data retrieval. 

I'm about to travel and don't have time for target to be filling my post box. 

I want to end all mail communication with target.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2020-06-11
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: Account information incorrect

Complaint:
A dispute was filed with XXXX  XXXX  and Equifax ; but after the investigation only XXXX   removed the account from my credit file. XXXX  and Equifax still have not removed this account from my credit file. This needs to be updated and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Chase continues to give the runaround and failed to provide effective oversite while working with the XXXX XXXX XXXX ( XXXX ) XXXX and is still failing to accept the XXXX payment. The program provides financial assistance to allow homeowners to pay off housing-related costs related to delinquency, forbearance, or default of mortgages. 

My complaint includes the following : XXXX. Failed to respond in a sufficient and timely manner. 

XXXX. Failed to provide effective and efficient oversite with the XXXX XXXX  and the borrower. 

XXXX. Lack of adequate staff with the qualifications and skills to oversee and assist with the XXXX program. 

XXXX. Failure to provide an adequate designated representative to provide XXXX staff with the information required to complete the HAF processing XXXX. Failed to provide adequate training to staff related to the XXXX processing process. 

After receiving numerous telephone calls and voice messages from numerous Chase staff and speaking with numerous staff, still, no resolution has been reached. This has been dragging on since the beginning of XX/XX/2022 when Chase failed on numerous occasions to respond through the XXXX  submission portal with the required information to complete the process. 

On Friday, XX/XX/2022, before the closing of the business day I received a call from XXXX XXXX XXXX at Chase. XXXX XXXX was assigned to address this issue regarding the XXXX XXXX back in XX/XX/2022. XXXX XXXX continues to have no clue or any idea about what is going on, nor seems to know who to speak to regarding the XXXX XXXX. Although I am sure Chase has some sort of Finacial Assistance Agreement with the US Treasury, XXXX XXXX has stated that Chase is not involved with the process relating to the XXXX program. For the past 2 months, none of Chase 's staff has had any idea about what needs to be done to resolve this issue when working with the XXXX processor responsible for gathering the information to provide payment of the arrears balance on my account. 

After reaching out to Chase on several occasions through conference calls with the XXXX  processor to obtain the required information and after speaking with the processor, I was told that Chase in fact failed to provide the required XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form. They also provided an incomplete XXXX of the Mortgage form that did not include the amount that was delinquent. This information was necessary to complete the XXXX payment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a solicitation by mail on XX/XX/2021 which stated in bold print '' EXPIRATION NOTICE '' on an FHA loan with XX/XX/XXXX. Please note that I do not have a mortgage with this company, nor are they a servicing agent for the mortgagee of the only mortgage loan I have on my primary residence, which is with XX/XX/XXXX. In this solicitation it states the following : " FHA Guidelines require a waiting period in XXXX XXXX, NY to access certain options through your FHA loan ''. It further states : " Our review has indicated that your waiting period has been marked as expired as of XX/XX/2021 and that you have not accessed your equity reserved of $ XXXX XXXX I delete the amount because I consider this to be private, yet it was shown in the solicitation ) or other loan options. Please call our Program Customer Support Representatives at XXXX by XX/XX/2021 to receive a detailed explanation of the options available t and how to access them. '' The remainder of the letter provides the contact information, as well as a notice that this is a third party offer from XXXX XXXX and is not approved nor affiliated with my current lender, FHA< HUD, or any other governmental agency. 

While this is an solicitation that is allowable by law my problem with it is that is states, at the top of the notice, that it is a " Expiration Notice '' which, in the body of the notice/solicitation, refers to my FHA loan ; however, it has nothing to do with my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Dear, Consumer Financial Protection Bureau, I am writing to bring to your attention my ongoing issue with XXXX XXXX and XXXX XXXX. For the past year, I have been attempting to obtain written verification of a debt that these companies allege I owe. Despite sending multiple written requests for proof that the debt is my obligation and that it was me, and not someone else, who opened accounts in my name, I have yet to receive the documentation required to be provided under the Fair Credit Reporting Act ( FCRA ). 
I would like to note that these letters requesting information were sent through the CFPB and my attempts to obtain this information are easy to document. 
Under Section 609 of the FCRA, a consumer reporting agency is required to disclose to the consumer all information in their file within five days of receiving a request for such information. As of today, I have not received any such documentation from XXXX XXXX or XXXX XXXX. 
Furthermore, I would like to bring to your attention the liability of the credit bureaus for continuing to list these items in violation of the law. Under Section 616 of the FCRA, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would like to make it known that legal action will be taken against all parties who are in violation of the law if these accounts are not removed immediately. I also request that any other statutes or language that might be helpful in resolving this matter be included in your response. 
Thank you for your attention to 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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXXXXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.

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 2023-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
I am disputing the following inquiries. These are not mine or belong to me. I have also filed a police report. Apparently someone is using my social to try and open accounts and credit in my name. I have also had someone steal my bank card and attempted to withdraw money from my account. 

These do not belong to me. The police report has been filed with XXXX XXXX police department. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXXXXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Nelnet, Inc.
State: OH
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:
Nelnet is saying my account is past due. XXXX they are servicing two of my loans ( groups of loans ). On one of them, they haven't sent me a statement since XXXX. When I call them they tell me that the sent a statement over the weekend ( XX/XX/14 ) but the payment was due on the XXXX. They offer forbearance, but I want to make my payments. This is the second time they just stopped sending statements and I had to call. I believe that they intentionally induce late payments by not mailing statements ; they try to force you into online accounts and e-payments. They are not helpful. Customer service is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: FIRST NATIONAL BANK OF OMAHA
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:
THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO CARD I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THIS ACCOUNT 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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUDF ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 explanation