BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to Experian, XXXX, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a XXXX window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent 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 2023-06-22
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
ON XX/XX/2020 - I received a credit card ( Master Card ) from Bank of America Merill Lynch which I never applied for. This was a real credit card, approved, ready for activation, with a {$30000.00} credit line. It was not a credit offer with a fake card. It was in the correct name and sent to the correct address, but NO ONE in my family requested this card in any form. This undoubtedly impacts my credit rating in terms of amount of issued credit and whatever unauthorized credit checks were performed. This to me is an example of fraudulent requests and/or consumer-unfriendly business practices. 

On XX/XX/2020 I attempted to contact Bank of America Merrill Lynch and was transferred to another line in which I was forced to wait on hold for over an hour with no response, after I indicated possible fraud related to my own identity and the incorrect issuance of a card. I have also attempted other contacts. 

Prior to this time - I recorded with the appropriate agencies that I did not want any preapproved credit offers at my current address. I have NO previous relationship with Bank of America at this address or any other.

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 2020-07-16
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called on XX/XX/2020 to synchrony bank to inform them that I could not access my account and needed to update my number or add my email to the verification process. I went through the verification process for an invalid code to be sent and for the customer service representatives to either disregard my concerns and one hung up on me. I was unable to access my account and was told that I couldnt access my account because my account was closed. Which was a lie because I had scheduled payments last week into the following year that I was trying to change. The last lady I talked to was the only helpful one as she updated my account and set my account on auto play so I wont have to deal with scheduling payments again. Worst customer service experience I have ever dealt with.

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 2018-10-09
Company: CU Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.

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 2020-07-16
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I've a Uber Visa BarclaysUS card. I used the card to order on Uber eats but the order didn't arrive. So the Uber eats team refunded me for the order. However, I still see the charge on my credit card. I raised a dispute online but I got a courier saying that I was missing certain info due to which my dispute was rejected. Now when I talked to the customer service, they asked me to send a dispute over a physical mail in writing. 
This is really bad and unethical behavior. The team is clearly doing everything to make it difficult for the customer to get back a valid refund. 

Order Date - XX/XX/2020 Transaction Date - XX/XX/2020 Amount - 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
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within XXXX days. This has notbeenthecase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a collection from Radius Global Solutions. The account was opened XX/XX/XXXX. I contacted the company by phone on XX/XX/XXXX. I am completely unaware of any debt owed to them or who they claim the original creditor is. I asked for information regarding the debt and the phone representative relayed that the balance came from having lab work done in XXXX. I do not recall having lab work done in XXXX. I asked why I hadnt heard of the debt before hand and the representative stated that they sent letters to an address that I had not lived at since XXXX. During the time I did live there, I never received a bill from them. They stated that they tried to call a phone number that was not mine. While on the phone with an XXXX representative, she informed me that the collection agency reported the account with my name spelled incorrectly. On XX/XX/XXXX I faxed a request for validation of the debt to the collection agency. On XX/XX/XXXX the collection agency updated the status of my account to charge off. I never stated that I would not pay the debt once they had validated the debt. See how this account was allegedly from so long ago and contained multiple discrepancies in the information they had for me, I simply wanted them to validate the debt before I paid them. Instead of honoring my request to validate the debt or delete the account from my report, they decided to not even attempt to validate the debt and to mark my account as a charge off as soon as they received my request.

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 2023-05-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XXXX XXXX to experian. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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: 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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: MOHELA
State: VA
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:
Dear Consumer Financial Protection Bureau : This pertains to a complaint against MOHELA ( Official Servicer of Federal Student Aid ). I have made over XXXX consecutive student loan payments in the course of 9 years, in the amount close to {$50000.00} total. The original student loan amount handled by MOHELA was {$72000.00}. The current balance still due shows {$76000.00}. I have contacted MOHELA in an attempt to receive my account payment history since XX/XX/XXXX, and I still have not received the information I requested for as of this writing, on XX/XX/XXXX. I have already filed with the Department of Education regarding this matter, on XX/XX/XXXX. 

The last correspondence I received through the postal mail from MOHELA was dated XX/XX/XXXX. This correspondence did contain partial payment history that included a total of {$11000.00} in payments, ending on XX/XX/XXXX. There was no consecutive payment history from XX/XX/XXXX to XX/XX/XXXX. Assuming that there were no typos in the page designations, I only received XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ( XXXX pages in total were missing from the letter ). I believe that this was a gimmick on the part of MOHELA, to purposely and constructively deny my request for a full payment history. 

Furthermore, there is no information pertaining to my payment history on the MOHELA 's Website, and paperless delivery to my registered e-mail account never occurred, despite the fact that I had made multiple requests. 

I am therefore requesting for assistance from the Consumer Financial Protection Bureau regarding this matter. I would like to receive my payment history from MOHELA, but I suspect purposeful delay, dereliction of fiduciary duties, negligence, or something worse on the part of MOHELA. 

All I wanted was my payment history from MOHELA, but now I can't help but to wonder if MOHELA processed my payments correctly, because my balance due did not decrease much despite all the payments I made. Furthermore, there is absolutely no information regarding my payment history on MOHELA 's Website, which raises obvious red flags. As such, I can't help but to wonder if I had to pay more for my student loans because of MOHELA 's shady business practices. Also, MOHELA has consistently failed to respond to my requests and complaints. I am therefore wondering if MOHELA failed to perform its fiduciary duties as a student loan servicer. I am also wondering if MOHELA is fraudulent, in one way or another. 

Although I understand the workload and the potential backlog at the Consumer Financial Protection Bureau, I have little choice but to make this request. 

Thank you very much for addressing my concerns, and have a wonderful day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: IN
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX have violated my rights XXXX 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My XXXX  came back lower than the value of my home. My home is a XXXX XXXX house XXXX bath home but my apprailsal only show my home as a XXXX bedroom XXXX bath house.My name is XXXX and the report only shows my name as XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have denied account opening due to Chex system Reporting on my name.

Chex system Reporting my Credit Score XXXX - I have ask Chex system how they calculated my credit score since I have never been late in any payment and never had insufficient fund and bounce check or return check due to insufficient fund in my account.

I believe Chex system is wrongly calculating and reporting Consumer Score on my name. 
I have been trying to get this information, but I have not received any information how and why Chex system is reporting only XXXX Consumer Credit Score. 

Chex System does not have any phone number where i can talk and resolve this issue and online inquiry they just can not follow my request and answer what i an asking to them.

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