BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
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: Account information incorrect

Complaint:
I was directly impacted by COVID-19 and lost my job at the XXXX XXXX XXXX on XX/XX/XXXX. I applied for Unemployment in the state of Arizona, which I was legally entitled to after being a citizen of Arizona for 13 years. I did not receive a single penny of unemployment until late XX/XX/XXXX, I was financially DESTROYED by lack of proper handling of my legal unemployment claim. I had to borrow money from my retired parents to keep my car from getting repossessed, was forced to sell my house and then had to move across the country to find a new job and try to get back on my feet. I have disputed the payments I could not make due to the global COVID-19 pandemic and the state of Arizona 's massive failure to provide me unemployment in a timely manner. I should not have to suffer financially due to a global crisis and inept state officials. I would like my credit history and report to be adjusted for circumstances outside of my control. Since I am now employed and did finally receive my unemployment I have paid everything I owed and am back on track. I would like my Transunion report to reflect an adjustment of my circumstances. I have disputed and requested disputes be reviewed by Transunion, which has not happened. XXXX had made adjustments, Transunion has not.

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 2019-02-28
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was closing out my loan and I had to close later than schedule because of my wire transfer not coming in on time as of XX/XX/XXXX. So, I was already stressed out. On XX/XX/XXXX, I receive a phone call from XXXX XXXX stating that I never submitted docs for XXXX XXXX. However, I submitted the bank account activity in XX/XX/XXXX. XXXX admitted in her e-mail that she assumed that I was going to use my XXXX account because I had enough funds. But, the thing is I had more funds in my XXXX account. Why would she not assume that the funds would come from XXXX account? So, now, I had to drop everything to close on XX/XX/XXXX. I was faxing documents to XXXX like crazy, even into my lunch break! XXXX didn't even know that I had two accounts with XXXX XXXX. One account was closed. She didn't even know that and was asking for statement on the closed account when there was another account that was opened. I had to tell her that! She just asked for all the documents even the ones that I already submitted in XX/XX/XXXX! When I told her that I already submitted that she responded in her e-mail, " Okay, maybe we don't need that. '' She was asking for documents that I submitted in XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX! It was terrible working with her! 
So, I contacted the cooperate office and XXXX XXXX responded. She said she was going to do an investigation. She e-mailed me saying that she was concluding that I closed on XX/XX/XXXX because my wire transfer did not come in on time. However, I did not make a statement that I closed on XX/XX/XXXX because of XXXX. I was talking about XXXX being unorganized that she caused me more unnecessary stress. Secondly, granted that my wire transfer came in late, however, had I not dropped everything and jump on it to fax everything over to XXXX, I would not have been able to close even on XX/XX/XXXX either. Also, why does my wire transfer coming in late have anything to do with XXXX not being on top of her job and asking for documents that I submitted nine months ago? I believe had XXXX done her investigation properly, she should have known that XXXX only received the docs on XX/XX/XXXX which continued into my lunch break ; and she would have found out that XXXX did not have my XXXX XXXX   information which means, even if my wire transfer happened on XX/XX/XXXX, I still had to go through this process! How does XXXX not being able to provide proper customer service because she was not on top of her job have anything to do with my wire transfer not coming in on time? I would never want to work with Fiance of America Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I sent 3 letters so 1 letter for each bureaus experian XXXX and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/ 2018 and havent heard any response or updates to 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 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be 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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was given the opportunity to pay my WHOLE credit card prior to it being late. When I talked to the representative, she indicated that if I made the payment in full ( when asked if I can get an extension because I had funds coming that was late that was being deposited in my account ), that they would ignore showing a late payment to the credit bureaus. 

I made the WHOLE payment of over 10k as discussed, and within 3 days, they reported the late payment, thus showing a 130+ point decrease on my credit scores. 

I have attached a statement that USAA had given me to show that it was NEVER late, and that I am in good standing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2019-03-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have filed a complaint against XXXX XXXX. XXXX XXXX   illegally added their company to three credit bureaus. Experian, XXXX and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to 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 2019-02-28
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I walked in the BBVA Compass Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2019 and requested to close my checking account. I had a small amount of money in the account which I withdrew, and verified with the teller that my account was closed out. 
About a week later I receive an overdraft letter, then another, and another. So I go online and log into my old account, which I should not have been able to access since I was told it was closed! Low and behold I get in and there is XXXX worth of charges and overdraft fees. One was a ACH from a CC that must have gone in under the radar, but the rest were debit payments that should never have been paid. My debit card should have been shut down the minute I requested to close this account. ALL debits should have been denied if this account was closed. I was in the process of switching everything over so I would have dealt with any loose ends or merchants on my end. 
When I contacted Compass I was told that they re-opened my account when the ACH went through the next day, and that I have to wait 30 days for it to be completely inactive. Um I never gave them permission to re-open my account, and when I was ther in person to close my account they NEVER mentioned any of that. 
This bank preys on people with overdraft charges, which is the primary reason for my wanting to close this account because of past issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: EQUIFAX, 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:
XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY EQUIFAX CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY XXXX  CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX. 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX PROGRESS, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Company Inquiries 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 OF 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 OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO 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 explanation
Consumer complaint received 2021-02-25
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 fraud alerts or security freezes

Complaint:
I have mailed a security freeze request to Experian. 

Here is the : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX TX It shows that they have received it on XX/XX/2021. I am checking the report now and unlike the other two Credit reporting Agencies, that were sent the request the very same day as Experian, Experian failed to make the update of the information requested.

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 2020-07-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my reportXXXX 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  , U S DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
XX/XX/2020 / XX/XX/2020 Contacted Equifax to have credit repot unlocked. Calling the company XXXX number I spoke to an agent that has limited grasp of the english language. The agent asked written questions and after 20 minutes said he was unable to unlock my account. He said that a letter and answer sheet with documentation be sent to Equifax. A letter was sent via Fax to Equifax per his instructions on the XXXX XXXX, 2020. On XXXX XXXX, 2020 I received a letter form Equifax stating that the information sent was not sufficient to verify my identity. Calling Equifax XXXX number to inquire what other documentation would be required took me thru the same routing and questions that were asked in my previous conversation only to be told to send a letter to Equifax with the same instruction as before. When asked if I could get a number to contact someone in the USA he said they could not provide me with a number. No email address are provided for Equifax so contacting someone to resolve the problem makes it impossible. XXXX XXXX, 2020, another letter has been sent to Equifax requesting my account be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I live in XXXX, Ohio. Key Bank sent me an unsolicited offer in the summer of 2020 to receive {$400.00} if I opened a Key Bank checking account, and deposited {$500.00} for at least 3 months. The exact language was " one time direct deposit of {$500.00} '' - language which was not highlighted or explained. 
I took that language to mean I needed to transfer {$500.00} at least once, in a direct deposit. In other words, I could not satisfy the requirement by an intra bank transfer from a CD or another Key Bank account under my control. They provided NO definition of their terms, or intentions. I opened a new Key Bank account and deposited a check for {$500.00} from external sources. 

4 months later, I asked when my {$400.00} would be paid. I was then told, for the first time, that the bank required me to have at least {$500.00} deposited directly from my employer or other governmental income. 

I am retired and do not have an employer. I do not yet draw Social Security from my earnings. This is the first time I have been told of this requirement by Key Bank. Their letter did not say it was limited to those currently employed or drawing Social Security. During this period, Key Bank has had my {$500.00}, and I have been paying at least $ XXXX/month in various bank fees. 

This is a deceptive trade practice that fraudulently induced consumers to transfer assets on the promise of a {$400.00} windfall that is subject to requirements that are never set forth in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: PA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Jpmorgan and, XXXX XXXX XXXX XXXX, partnership or trustee of XXXX XXXX XXXX XXXX, XXXX XXXX, home loans., XXXX XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX  XXXX ga. Ok jpmorgan Chase bank, did not give out notice on the sale deeds of these address .in XXXX and XXXX. Under XXXX  XXXX group. Mr XXXX XXXX XXXX been old owner of jpmorgan and XXXX XXXX XXXX XXXX, did not give all the heirs too the business a copy of deeds transfer ... also XXXX XXXX assert that he has bought his own property .Mr XXXX XXXX XXXX own and was a heir too these address in XXXX and XXXX. How did XXXX XXXX sell XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. His own property in XXXX. He already own it in XXXX and XXXX. Mr XXXX XXXX. Asserts also that. He is not been or work as the management or trustee Mr XXXX XXXX XXXX made him ether. So I want jpmorgan too get XXXX XXXX on the phone .too sign a letter of afiavdavit, it a pandamic out here and us the heirs too this huge companies are left for dead .not a word from the management or trustee yet .Mr XXXX XXXX XXXX been deceased sense XXXX .not a word from them yet. Need XXXX XXXX too sign this paper say he a be arrested if he is telling ly .he says y'all steel his I'd and he not doing trustee work on none of this and he didn't no he own the house he bought already back in XXXX for XXXX. So who is ly here. Let 's get the proff of who is lying. Here is XXXX XXXX phone number XXXX .leave a message if he don't answer XXXX ... .both his number. Ok ... A tax return want show u property in a trust and it operation agreement. Need a agent for this research ....

Company response to consumer: Closed with explanation