BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MI
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:
Experian just closed my complaint stating a Duplicate complaint which is not the complaint number XXXX that complaint was about the XXXX XXXX  letter stating I do not owe any Debt money nor is the XXXX XXXX  reporting a debt. My recent complaint is stating why is Experian reporting a Debt Collector XXXX XXXX XXXX XXXX as an installment loan on my credit report for {$270.00}. Under the Fair Credit Acts a Debt Collector is not a Banker. Experian has let XXXX XXXX XXXX XXXX open an installment loan illegally in the name of XXXX XXXX  on my credit report then reduced my credit score by 50 points with out any legal documents that state I had installment loan with XXXX XXXX  that is deceptive practices. I have also notified the proper authorities to have Experian prosecuted for fraud and invasion of privacy. I have sent Experian Credit Report showing XXXX XXXX XXXX XXXX as an installment loan. Experian why do you not send this complaint to your furnisher?

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: OPORTUN FINANCIAL CORPORATION
State: UT
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 # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: IN
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:
In early XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} )  and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and XXXX and Equifax are refusing to remove them. XXXX  is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt believed to be from deceased husband, XXXX XXXX ( died XX/XX/XXXX ). Currently DEVILLE ASSET MANAGEMENT is attempting to collect the debt, reportedly from " XXXX   XXXX  ''. Account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was recently compromised when my ex-husbands ( XXXX XXXX military ) bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX XXXX. 

In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. 

In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. 

In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. 

USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. 

USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. 

During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have been trying for months to remove a 10-year-old account from XXXX XXXX. This was for a department store credit card that was closed over 10 years ago and paid in full. I went out of the country and when I returned, XXXX XXXX was showing an amount for {$100.00}, with fees totaling {$260.00}. 

XXXX XXXX is incorrectly reporting the account and I can not reach anyone. I have spent entire days on the phone to no avail. They never conduct any investigation and XXXX and XXXX refuse to remove it. 

When I speak to someone at XXXX XXXX XXXX XXXX, they forward me to XXXX  XXXX XXXX XXXX. When I reach someone and XXXX XXXX XXXX XXXX, they forward me to Citibank NA, who they say underwrote the closed credit card account. 

Between the 3 entities, none take responsibility for timely investigating this matter and they all refuse to remove it, along with XXXX  and 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 2019-02-26
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:
On XX/XX//2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/ 2018 I sent a dispute letter to the Credit Bureaus, XXXX, XXXX, and EXPERIAN, and they did not respond.

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 2019-02-26
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, XXXX, TRANSUNION, and XXXX, and they did not respond.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party XXXX XXXX is reporting the information inaccurately without knowing all the facts.

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 2019-02-26
Company: Nelnet, Inc.
State: MA
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:
3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. 

XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX   XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Account information incorrect

Complaint:
XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to call chase bank to get my account they wouldnt let me, I told them to run the cameras they told me they wouldnt, the account that I had was a brand new account that I opened up and it was some fraud going on my account I told them that wasnt me it was a check deposit into my account that I wasnt aware about they didnt call me or nothing they didnt send me a letter in the mail that my account was closed I called them so many times about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Asset Management Outsourcing, 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:
Nationwide ceased collection on the account for XXXX XXXX but it still remains on my XXXX credit report. The amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  used my SSN and tied it to my deceased dads card account .. He died in XX/XX/XXXX and now in XX/XX/XXXX it shows up on my credit Experian. His debt was cleared when my mom filed bankruptcy in XXXX. Its not about them wanting money but someone tied my SSN to that account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paying mortgage payment on line BOA charges a {$6.00} fee if not paid on the XXXX which is the due date. The grace period due date is the XXXX. If I took the payment directly to the Bank on the XXXX there would be no fee charged and the same goes for it if I mailed payment in after the XXXX. no other financial institution I deal with has such a policy .I am XXXX years old with ss as only source of income .These income dates vary by the month causing great inconvenience if I have to drive 50miles on  some months to make timely payment. this fee seems an unjustified hardship especially when the bank in most cases receives its money faster with the 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX  has found it to be an error and deleted it. XXXX and Transunion have refused to do so. I have attached my XXXX  report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The XXXX  XXXX   Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to XXXX  or Transunion due to their policy.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let transunion and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My Equifax account. 

I filed a dispute with Equifax initially in XX/XX/2020. When I. noticed the XXXX XXXX remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of XXXX XXXX still remains on my report even without any documentation and changing dates for the start of the account. XXXX and XXXX have both remove the erroneous report, but Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
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:
XXXX XXXX has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: AR
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:
Since XXXX of 2019, I have sent several certified dispute letters to the Experian consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Experian has failed to provide XXXX XXXX accurate verification as per the Fair Credit Reporting Act. In addition, Experian has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XXXX XXXX XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Experian on my behalf. It has been 6 months and Experian still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received on my behalf.

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 2018-02-07
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: Investigation took more than 30 days

Complaint:
I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
JP Morgan Chase, with whom I have several products currently - including a different Credit Card with available credit in the amount of {$18000.00} and a {$0.00} balance - sent a notice dated XXXX XX/XX/2021 explaining that my recent application for a new credit card was denied due to " too many credit cards opened in the last two years associated with you. '' I met and exceeded all eligibility requirements, currently have a FICO score of XXXX ( according to my XXXX XXXX card ), XXXX ( according to my XXXX XXXX card ). This year, my husband and I downgraded our frequent-flier credit cards to cards with no annual fees - especially since we do not expect to travel during the pandemic. These are not cards opened, but rather cards downgraded. I pay my balances in full most months, and do not accumulate high balances. The only reason I can see for denying me credit is that I accepted public assistance in the form of unemployment benefits for 6 weeks last year. This, of course, is a violation of the Equal Credit Opportunity Act, and I would like an investigation opened into the matter. 
The Reference number for their decision letter is XXXX

Company response to consumer: Closed with explanation