BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: AL
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:
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( Equifax ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX  ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
well fargo sent me a notice that my escrow was off and that i owed an extra {$87.00}. said notice says there office hours are 6am-10pm. when i called them at XXXX XXXX i get a recording that says there office is closed. if they can't even get there office hours correct on official notices how can they be trusted to actually calculate my escrow correctly? 

they should have received a refund check from my home owners insurance policy in the amount of {$300.00} dollars that was sent to them by florida XXXX XXXX. Additionally my homeowners premium will actually be going down by over {$1000.00} dollars a year which means i actually have a surplus in my escrow account not a shortage. please stop crooked wells fargo from repeatedly sending notices with false and or misleading information as it cause undue stress on home owners '.

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 2018-03-26
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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 belongs to someone else

Complaint:
equifax is not reporting my date of birth and not letting my company pull credit for credit cra voilation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Their investigation did not fix an error on your report

Complaint:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even 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 explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX 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 also please note that the account has the wrong name as well. please find original contract with these company to show the correct names on the 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 explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions 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:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX  are reporting me 30 days late. This is definitely an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2019-02-07
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:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: MD
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 account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well. 

I hope this get this problem solved thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I filed a complaint before getting a response from cfp that the problem was addressed XXXX  transunion and XXXX  are continuing to report wrong address es for iledge debt I sent letter to the address given by the credit agencies and again the letter was returned because it was unable to be delivered because address does not exist. I asked that each credit agent delete this inaccurate information from my reports

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 2019-02-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was exposed in the Equifax data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and XXXX  and equifax always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX .XXXX, equifax doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Navient Solutions, LLC.
State: MI
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:
Navient my student loans were discharged when my Lender XXXX XXXX Education Loan Trust dissolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty bank 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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXXXXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to me.

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was exposed in the XXXX data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and XXXX XXXX XXXX. Please remove from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Opened credit card account in XXXX of XXXX. My account was closed in XXXX of that following year. it's showing negatively on my credit report, which is affecting my ability to be approved for certain cards. I didn't have a lot of experience with credit cards at the time, I'm more responsible than I was a year and a half ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Well Fargo close my account saying I overdraft over XXXX dollars when I had the protect plan spoke with many and I many customer service rep trying to fix the issue. No help at all. No its on my credit saying I owe them over XXXX in overdraft fee that was in 2012

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 2019-02-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was exposed in the XXXX  data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX AS WELL.

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
ON XXXXXXXX XXXX,2022 OUR COMPANY RECEIVED A CHECK FROM ONE CLIENT FOR THE AMOUNT OF XXXX. THE CLIENT WROTE THE CHECK WITH OUR COMPANY NAME WRONG, JUST FEW LETTERS. CHASE ACCEPTED THE CHECK AND PUT A HOLD ON THE CHECK. IN LATE XXXX XXXX TOLD XXXX THAT OUR ACCOUNT WILL BE CLOSED ON THE XXXX OF XXXX BECAUSE THEY THOUGHT IT WAS A FRAUDELENT CHECK. CHASE NEVER RETURNED THE FUNDS AND WERE DEDUCTED FROM THE PAYEES ACCOUNT. NOW CHASE HAS THE FUNDS IN THEIR POSSESION AND ARE NOT WILLING TO PAY US ALL THE MONEY THAT WE HAVE IN OUR BANK WHEN IT WAS CLOSED INCLUDING THE MONEY FROM THE CHECK. THEY ASK ME TO GO TO ABRANCH WITH A LETTER FROM THE CLIENT CERTIFING THAT THEY GAVE US THE CHECK, WE DID THAT AND THEY STILL WONT PAY US OUR MONEY BACK. THEY TOLD US TO TELL THE CLIENT TO MAKE A RECALL FOR THE CHECK, BUT THE CLIENT IS NOT WILLING TO DO THAT FOR LACK OF TIME AND HE UNDERSTAND THAT IS XXXX RESPONSABILITY TO RESOLVE THE ISSUE, CHASE HAVENT MAKE ANY ATTEMP TO CONTACT THE CLIENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Chase Bank contacted my sister about a debt. My sister lives in different state that me. They have been repeatedly contacting her and I never gave them permission to contact or her or her contact number.

Company response to consumer: Closed with non-monetary relief