BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
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: Information belongs to someone else

Complaint:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX.. XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. ( XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX.XXXX XXXX XXXX XXXX.XXXX XXXX # XXXXXXXX XXXX # XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXXXXXX 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 2021-11-03
Company: Experian Information Solutions 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:
Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, Experian, XXXX, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.

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 2021-11-03
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:
Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, XXXX, TransUnion, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.

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 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After, receiving a letter from Bank of America to apply for a business checking account, and being eligible too. On XX/XX/2022 I walked into a Bank of America branch located on XXXX XXXX XXXX, XXXX XXXX. I initiated a consumer credit transaction with my SSN/ XXXX also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on Bank of America. I did not receive the treatment I expected. Instead, I was yelled at by the branch business account manager. In his words ''he 's not able to open an account for me, and it's not his job to find out as to why a business account can not be open for me ''. Credit worthiness is not a factor in their decisions. I provided every document required and was denied a new business checking, due to invalid reasoning 's, after I was informed, I may obtain any account at any branch. I'm highly disappointed in Bank of America as they have negative people representing them as a company. It is with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response, nor the correct communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: WV
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:
According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, Experian, XXXX   etc, .. If there is no account please delete all alleged account information concerning the fraudulent 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 non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, XXXX, Equifax etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed. 
However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/20 I initiated a one-time {$800.00} deposit into my Credit Karma savings account from my bank account. 

On XX/XX/20 Credit Karma transfers the {$800.00} and then initiates three more transfers for {$800.00} totaling {$2400.00}. Credit Karma then returns {$800.00}. Now I'm missing {$1600.00}. It's not in my bank account and it's not in my Credit Karma account. 

My Bank, XXXX XXXX XXXX XXXX told me I need to contact Credit Karma and that each {$800.00} transfer is its own line item, not multiple attempts to process the same transaction. 

Credit Karma does not have a listed customer support phone number, but they do have a help desk. On XX/XX/20, I submitted three incident reports asking for help. I have received no response. I realize they may need more time to reply, but any credit they issue will require 2-3 days to process. I'm nearing the end of the month and my account is now in the negative. 

I found a phone number on my statement summary. It is just a recording asking the customer to leave a detailed message about the issue. I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: TX
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 contact Equifax multiple times with certified mailing regarding this matter. I have submitted documentation on why these accounts needed to be investigated and deleted from my consumer report. They have failed to removed these items even after they have mailed me a report stating the items would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: OK
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 some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Personal information incorrect

Complaint:
I am XXXX XXXX this is a statement verifying my identity along with my proper identification attached. I received a letter stating this company believed that I didn't dispute the information in fact it was me so moving forward I would like to receive correspondences via this portal.

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 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account ( s ) # XXXX, # XXXX, # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received email from a Credit monitoring service that " there was a change in my credit history. '' When I investigated, I discovered a Chase Freedom credit card was opened in my name. I contacted the issuing bank, JP Morgan Chase Bank, at which time they shut down the card. I do have 2 other Chase credit cards, ( XXXX and XXXX XXXX ) that are " active ' and in use. I then contacted XXXX XXXX ( we have free credit monitoring from a data breach ) and they opened a case. I then " froze '' my credit file with XXXX, XXXX, and XXXX XXXX and also put on a Fraud alert. I was called XX/XX/XXXX by a representative form XXXX XXXX who I gave appropriate information after which they Closed the case. XXXX CASE # XXXX Closure : Your Identity Theft Case with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint is with Chase, mortgage # XXXX In XX/XX/XXXX Chase acquired my mortgage from Washington Mutual XX/XX/XXXXwith a balance of {$370000.00}. 
Payments were made regularly ( admit there were some late payments arriving just after the 15th of the month ), until a modification was done in XX/XX/XXXX. The modification balance was {$410000.00} with a balloon payment due in XX/XX/XXXX of {$88000.00}, which raises the total amount to {$500000.00} from an original balance of {$370000.00}. From XX/XX/XXXX to XX/XX/XXXX Chase was paid {$92000.00}, with no reduction in principal, and no equity left in the property. 

My question is how did the note of {$370000.00} in XXXX get to {$410000.00} in XXXX a {$40000.00} increase in the principal amount when payments were made each month, and still have no equity in the property plus an increase in the balance owed. Since XXXX all payments have been on time, with a current principal balance of {$360000.00}. How is it possible for an original note of {$370000.00} to be reduced by only {$11000.00} over a period of thirteen years. What happened to the {$200000.00} paid to Chase. 
since XXXX?? 


Current balance of principal is {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries that were placed without any of my consent. I am a natural person. I have attached FTC Report. The company is violation of the consumer law. I need to be deleted from my consumer report immediately.

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 2019-03-22
Company: EQUIFAX, INC.
State: TX
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:
To Whom it may concern : I am in a house process and I have request to Equifax, even fax proof to remove a collection company reporting on my credit report. Equifax has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from Equifax. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.

Company response to consumer: Closed with explanation