BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
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: Public record information inaccurate

Complaint:
The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from Equifax and XXXX  is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied XXXX loans and government assistance for XXXX loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Pressured by my dentist while in the dentist chair to apply for and use Care Credit to be able to complete my dental service. Rates jumped up and its been about 6 years and Im still struggling to make the payments.

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 2023-06-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX stays I signed for loan with them. I never signed for loan to be joint owner on any loan with XXXX. I've ask that XXXX show proof that I signed for installment. XXXX has never provided proof to credit bureau. They come back saying I'm listed as joint but my name is not even spelled right in XXXX system where some how my name is on the deed. The bill is not in my name. I've also never made a payment ever. That is not my Checking that payments are coming out of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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 is missing that should be on the report

Complaint:
After doing several disputes with Experian, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky 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 2020-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I obtained a business loan from JP Morgan Chase last year. I have paid it off however I still have interest charges for unknown reasons and the bank refuses to help me close the loan. I have called Chase, messaged them via the online portal, and been to a branch. I only get the run around. Their customer service is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My consolidated subsidized student loans started at {$13000.00} in XXXX and has grown to {$28000.00} current balance owed. I have been charged capitalized interest during deferments, forbearance and IBR. I receive a statement with {$250.00} owed each month but with a {$0.00} amount due and interest is accrued on this amount. Capitalized interest is added every month. Some months it's over {$1000.00} and some months it's only {$50.00}. Navient will not explain how the repayment works and will not explain why I get a bill for {$250.00} every month with {$0.00} amount due. I have contacted Navient several times through out the life of my loans but I never relieve any resolution. In XXXX I I owed about {$19000.00} which I disagreed with but had offered a {$15000.00} payment to close my account in good standing. Navient refused to accept this amount. 
Also, Navient has sold my private information to several third party " debt relief '' companies that contact me 4-5 times every day. These companies have the exact amount I owe, payment activity, social security number, birth date, etc. They say I qualify for forgiveness but only have 5 day to respond. One company actually tricked me int o allowing them to login to my account. I thought I was verifying information, but they actually used that information to get a new password and almost had me signing an agreement with them. These companies pressure me every time I answer the call and they use voip numbers that are untraceable. Navient will not allow me to opt out of third party advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo advertises early paycheck deposits ; however, they are not allowing customers to use the money when paychecks or Social Security checks are deposited early by the institutions sending the money. If the money is used prior to the actual pay date, Wells Fargo sends customers messages stating the account is overdrawn and money needs to be transferred from other accounts to cover the overdraft. This has happened to me several times. My paycheck is from XXXX and my Social Security check is from the SS Administration. Wells Fargo knows these funds are good yet they refuse to make deposits definite until later date.

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 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. XXXX**IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX***Please update the correct wording to reflect what I do professionally******

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 2017-12-20
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 submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 paid the car off and no money is owed. I have contacted one auto finance and their records show I owe nothing and have paid on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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: Information belongs to someone else

Complaint:
I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Report results from XX/XX/XXXX shows Equifax didn't investigate my Dispute regarding Furnisher XXXX XXXX XXXX XXXX, because Equifax aloud the exact act XXXX under a different alias name XXXX XXXX to report again even more false account information to my credit file after its investigated the reported disputed information was completed on XX/XX/XXXX. Equifax was mailed details specific account error pointing out most of Inaccurate, incomplete and inconsistent regarding this false account information reported, yet it didn't fix in the 30 days aloud but decided to update to my file as verified accurate and complete information todate. Errors in the reported information in both alias named accounts still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NV
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:
The credit reports say I was late for a payment on my account in XX/XX/2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I contacted Lexis Nexis to remove discrepancies off my report and the wrong addresses continue to stay on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Public record information inaccurate

Complaint:
On XX/XX/2019 I received a review copy of my credit report from Experian after I requested a investigation. The results from that investigation showed that experian had deleted a chapter XXXX bankruptcy. On XX/XX/2019 I reviewed my credit report online from experian which showed the bankruptcy had been replaced back on my credit file. Per section 609 of the FCRA once an item is deleted without evidence of signed documentation an item can not be placed back onto a consumers credit once deleted. Why was this put back on after being deleted?

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 2023-08-28
Company: DApps Platform, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Trust Wallet account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXXXXXaccountopeninmynameforXXXXdollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Synovus Bank
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX credit cards with First Progress, card # XXXX ending in XXXX with a payment due date on the XXXX of every month, my XXXX card ending XXXX with a payment due date on the XXXX of every month. 

I called in XX/XX/23 to make a {$86.00} payment on my account ending in XXXX with a payment due on the XXXX and they misapplied my payment to the account ending in XXXX with a payment due date on the XXXX and charged me a late fee and reported a late payment to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: PA
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:
According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on XXXX, XXXX, & Equifax to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and XXXX, XXXX, & Equifax have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ).

I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
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:
There is a Bankrupcty reporting on my credit report that does not belong to me and the credit bureaus have said it is verified as mine.

Company response to consumer: Closed with non-monetary relief