BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX   DID NOR DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

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 2018-06-10
Company: EQUIFAX, 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:
XXXX XXXX {$3400.00} XXXX XXXX XXXX   {$990.00} I have called credit bureaus which did not help much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: MD
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:
To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX  to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate 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 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is inaccurately reporting my old Capital One account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: General Motors Financial Company, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX leased a vehicle from GM Financial {$290.00} a month and returned the vehicle at lease termination XX/XX/XXXX. 

In XXXX this lease still appeared on XXXX 's credit report when we tried to buy a house : It was then an issue that we thought was then corrected in XXXX. 

But in XX/XX/XXXX this lease payment still appears on XXXX 's credit report and GM Financial was called by the lender who confirmed the lease was paid off. 

This incorrect information is a violation of the consumer protection laws. 

GM financial has refused or neglected to correct the matter causing financial and mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a bank account at Chase bank for myself and a XXXX XXXX account for my XXXX XXXX After having these accounts open for a few months I began to get XXXX  XXXX notifications to my phone stating that someone has logged into my account, someone has changed my password, someone has added a new phone number to the account. I contacted Chase right away on XXXX XXXX and I was told to change my password, my user name and the password for the email that I used to originate the account. I did all of that and I was told it was all fine. The next day I received the same notifications. I contacted Chase and asked to close the accounts as someone was clearly hacking them. I was told them could not be closed unless I came in in-person to a location because my account had too much money in it. This was on Sunday. Because of the holiday weekend the banks won't open until Tuesday. I explained that all of the money would be gone by then. They declined to comment on that. I have been on the phone with them for most of the day, transferred to departments that are closed, dead numbers, hung up on and told to, " Have a nice day and thanks for banking with Chase! '' as I was sobbing into the phone and begging them to close my account as my phone is pinging with notifications that people are getting in. They will do nothing. My online account is locked so I can't even see what my balance is. I can only wait until Tuesday and then see what ruins are left of my life. They still are refusing to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have recently refinanced to a new mortgage lender. During that process we discovered that Flagstar bank has put a freeze on our escrow and stopped making Tax and Insurance payments. We called several times to request that they make both tax and insurance payments and get sent in many different directions with different answers. Finally after several phone calls the taxes have been paid ; however, the insurance remains to be paid. Calls have been made to Flagstaff almost daily for over a month and each time the response is different, including we have sent the check overnight, we will send the check, we have sent the check, we won't send the check we are just sending you the full remaining escrow and you can pay the insurance. We have gone in circles with no answers and no resolution and stand to lose our homeowners insurance coverage. Every person I've spoken with at Flagstaff tells me a different story and tells me the last person I spoke with gave me bad information.

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 2018-03-25
Company: EQUIFAX, INC.
State: NC
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 subscribe to equifax - so that I can monitor my report and scores. On XX/XX/XXXX I checked my report and my score was XXXX. This was great all my efforts were paying off. I then checked it again XX/XX/XXXX and it was XXXX. I didn't understand so I went into the dashboard to try to find out why. It said that it was due to additional credit item I had opened. I had not added anything. I disputed this but now as of XX/XX/XXXX I still have not heard a response as to why this happened. I had other items on the dispute that were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX'>< XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, 'XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.

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 2021-09-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent {$400.00} through ZELLE. ( My financial institution is XXXX XXXX ). It was a scam with zelle recipient XXXX. name is XXXX XXXX. It was a down payment for a XXXX XXXX. I drove 3 1/2 hours to pick up the puppy & the house is vacant and no puppy! I notified XXXX  XXXX & they sent a letter to me that there's nothing they can do? XXXX XXXX did say they let Zelle know about this scam, but with everyone trusting Zelle ( I thought, ) because it's backed by our bank. The verbiage is not clear! I don't feel this is fair for anyone that works hard for every dollar & a law abiding citizen to trust a Zelle and XXXX XXXX together site to just let this happen and let the criminals get off like this & all I get is " we can't do anything. '' This is crazy! I really need my money returned. I need your help, please pass this to Zelle & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  summited my account for collections to XXXX XXXX XXXX XXXX in the amount of {$280.00}. I paid XXXX XXXX the full amount on XX/XX/XXXX. Earlier in XXXX, XXXX XXXX sold the account again to Nations Credit Systems.

I am in the process of refinancing my house and them doing this is uncalled for and illegal. Any assistance you can give would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BANK OF THE WEST
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 was never Late on my Account with Bank of the west

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: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I filed for bankruptcy in XXXX of XXXX. I have a home equity line of credit with US Bank. I reaffirmed my mortgage in XX/XX/XXXX and the reaffirmation agreement was filed with the courts on XX/XX/XXXX. My monthly payment has continued to be automatically withdrawn from my checking account each month. However, my HELOC is no longer showing up online nor am I receiving any monthly statements for it. My bankruptcy has been discharged and I thought I would begin receiving statements again on my HELOC. I called US Bank on XX/XX/XXXX to find out when I would be able to see my HELOC online again and when I could get statements. They confirmed that the bankruptcy shows discharged but didn't know why the status wasn't updated. I was transferred to 5 different people who all told me different things. XXXX said she wasn't sure why the HELOC status was not updated and transferred me. XXXX told me that I would not get statements again on it and it wouldn't show up online. XXXX told me that didn't have my reaffirmation agreement on file and I needed to contact my lawyer to have that filed. The last person I talked to in the bankruptcy department said they would not send statements or show my HELOC online until 60 days after the bankruptcy termination date and that I would have to contact my lawyer for when that is. They said all they could give me was the current balance and tell me my payment history. They said that they don't show any payments since XX/XX/XXXX even though they have continued to take the payments out of my checking account each month. I'm concerned that I am not getting credited for the payments I've made, that my balance is not going down, and that I am accruing interest on a balances that I've already paid towards. I have no way to verify my HELOC balance, interest or payments and they refuse to help 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 non-monetary relief
Consumer complaint received 2020-02-06
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company violated my rights by law. By reporting an owed amount from my bank account as a credit issue then sold it to an outsource company called XXXX XXXX now its uses as a derogatory mark on my credit, which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Twice I have faxed Early Warning both their form and a copy of my drivers license requesting my free report. The process started XX/XX/2020. I have also sent the company two emails via their very confusing electronic portal. Once they said the form was not signed however it was faxed two more times and was signed. After that I have not received a response or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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: Information belongs to someone else

Complaint:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2020-05-08
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX  account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Navient Solutions, LLC.
State: FL
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:
Navient loan They have been messing with me since day 1 I am a US XXXX veteran. 
I know they have lawsuits filed against them I am searching for any kind of help i can find. 
My payments ive paid monthly have gone to nothing. 
The loan is still at the same amount as when i started in XXXX So for at least 6 years ive been paying a VERY SMALL loan and somehow my payments havent even touched it They did force me to forbearance a while back. 
And i also heard that they have miss charged US veterans on purpose which is part of the lawsuits, on charging higher interest. I have no help to combat all of this. And am seeking guidance and help with this situation that for years had been effecting my credit and my life that now i have found out the company is just mistreating a lot of customers. 
Any assistance would be helpful. If this isnt the right place. Whom i should call for help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, Transunion & XXXX are still reporting the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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: Information belongs to someone else

Complaint:
I am requesting to remove the bankruptcy from my credit report because that on was to old and you supposed to removed a long time ago. 
Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2017-12-04
Company: JPMORGAN CHASE & CO.
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 received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

Company response to consumer: Closed with explanation