BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: FL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX30 Creditor : XXXX XXXX Late dates : XXXX60, XXXX XXXX XXXX Late dates : XX/XX/XXXX30 XXXX XXXX XXXX dates:XX/XX/XXXX-60, XXXX30 ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXX/XX/XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XX/XX/XXXXXXXX XXXX, XXXX XXXX Re : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on 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 explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.

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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had no idea what this even was, Transunion that is. The last two months Ive been charged {$19.00} on the XXXX of the month and I have never signed up for whatever this is. It needs cancelled immediately, I do not use or need whatever service this is and I want a refund of the expenses taken out back into my account.

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 monetary relief
Consumer complaint received 2018-10-29
Company: BB&T CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score

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 2018-10-31
Company: Experian Information Solutions Inc.
State: HI
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:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-08-20
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I applied for a car loan XX/XX/XXXX and was informed Chase Mortgage had reported 60+ days past due on my credit. I immediately called Chase as this is simply not true. Our payment is auto-drafted and we have never been late for a payment. We had a change in payment for the month of XX/XX/XXXX. We have our payment drafted from a company who makes the payment, as well as, an extra payment per month. {$880.00} was our regular payment and the incorrect payment about was submitted for XXXX due to the fact that the company could not process my request in time to reflect the change in payment amount. Therefore, a partial payment was made and the mortgage company would not accept it as it was not a full payment. In efforts to correct this, I called in to take care of the difference as soon as I got my statement and was told my loan was being transferred to XXXX and to send the difference in payment to them because they would be forwarding those funds over. I did call XX/XX/XXXX but I had just received the bill that showed XXXX 's payment wasn't paid. Now, two years later, without being told my credit was reported for the incident, here we are. Chase refuses to help because they say " technically '' the payment wasn't made and we were passed due even though money was received in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A loan was taken out by myself and paid off in full in XX/XX/2014. Upon checking my credit report, it appears Lending Club incorrectly reported my account as " delinquent over 60 days '' to XXXX  and XXXX, and it has been on my report for the past 6 years. 

LendingClub.com has no direct phone number for support and an email request submitted through their website did not return a response. A dispute was initiated with XXXX over 2 weeks ago on XX/XX/XXXX however no update has been made to the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Affirm Holdings, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase through XXXX on XX/XX/2023, Order Number : XXXX. I paid for this purchase with my XXXX gift card, and it was also processed by XXXX as an Affirm loan which I did not authorize. Affirm has reported this purchase to the credit bureaus as a delinquent account as of XX/XX/2023 for the amount of {$33.00}. I do not owe Affirm for this purchase. XXXX does because Affirm paid XXXX for this purchase and so did I. XXXX was paid twice for this purchase and that is fraud. I contacted XXXX and Affirm and tried to dispute this transaction with no resolution. Please see the attached confirmation email from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was informed by Chase bank that I had transactions out of state for an unusual amount. I noticed someone had purchased more than {$1500.00} in Florida, which I have proven I wasn't in and an ATM withdrawal. The gentleman who spoke with me told me that my account would be locked and a new debit card would be sent to me. The following morning I followed up with Chase and I was told my claim was never filed. 

After time for Chase to review my claim that I disputed the charges, I received a letter from them telling me they found the charges to be valid and they would remain on my account. I immediately called Chase and asked them what I would need to prove I did not make these charges. 

I was told any supporting documents could help. So I had my employer sign a letter affirming I was in Arizona never Florida. Also my bank statement proving I was in Arizona. 

Just today the XXXX I received another letter from Chase denying my claim. I spoke with XXXX in the claims department, he informed me that the bank found evidence that my PIN was used in Florida. I told Chase from the start that I never share my PIN with anyone and my card was in my possession the entire time. 

I have been robbed of more than {$1500.00}. I am unable to keep living paycheck to paycheck. I know my card information was stolen and Chase still insists I am responsible. I expect a refund of the money stolen from me as soon as possible. I will fight this forever if I have to, I know Chase is wrong, I am the victim of fraud and I want this matter resolved asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
I am filing this complaint on Experian because they have continuously refused to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Experian deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies have caused my credit score dropped 103 points in ( 1 ) month.

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 2018-10-31
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Citibank Na., Best B Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,

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 2018-06-28
Company: Bread Financial Holdings, Inc.
State: MS
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:
XXXX XXXX has made a bogus charge on my closed credit card, as it has been closed since XX/XX/2018. In making this fraudulent charge of {$120.00}, XXXX XXXX has been insinuating in written responses that I have been using its " provisional credit. " but has not outright claimed it was this product. Originally, XXXX XXXX has been trying to steal my refund of {$110.00} where upon it did send. I only see this amount, {$110.00}, as hidden this in charge of {$120.00}. The bank is trying to change form of original charge of {$120.00} to look like similar refund part of {$120.00}. The bank has also deliberately reported wrong {$8.00} as myself having them this amount when, in fact, the bank itself paid me this amount and the bank went on to report it to the credit bureaus, even though I did provide XXXX XXXX photocopies of refund on both sides. This original billing error of {$110.00} is only the same as the increased {$120.00}, so this prompted filing another billing error notice to XXXX XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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: Investigation took more than 30 days

Complaint:
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Experian again went silent.

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 2018-04-05
Company: EQUIFAX, INC.
State: FL
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:
Equifax has FAILED TO PROVIDE proof that they actually took reasonable procedures to investigate the items on my credit report that I have NO SIGNED contracts for that appear on my credit report I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I HAVE CONTACTING TRANSUNION, XXXX   AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT ACCEPTANCE NOW TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS  SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( ACCEPTANCE NOW ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19

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 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America checking account says I owe XXXX Im not aware of. Says something dealing with a fraud but they say I have to pay. Im trying to open account with a different bank and I cant because of this.

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 2018-10-31
Company: EQUIFAX, INC.
State: HI
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:
I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Xapo, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
purchased bitcoin using this merchant XAPO, received email after a week hold that bitcoin is available in the account. Afterwards tried to login to access funds and my account is blocked. XAPO verified my balance is in the wallet but wants me to send bitcoin so they can adjust the account and take all my bitcoin. Also lied and gave me misleading information that I owe them money and won't provide requested information.

Company response to consumer: Closed with explanation