BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
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:
XXXX, XXXX and Transunion have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status Transunion has not updated the file in over a year and states the account is closed, and XXXX shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

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 2023-08-25
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF ID THEFT. I STARTED AN INVESTIGATION AND THE CREDIT BUREAUS MISTAKENLY PUT THE WRONG ACCOUNTS UNDER DISPUTE. I DISPUTED : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX AS YOU CAN SEE ON MY FTC REPORT, I DID NOT DSPUTE THE OTHER ACCOUNTS. THEY DELETED ACCOUNTS THAT BELONGS TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CU Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated

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 2020-12-01
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
In early XXXX way prior to my due date, i wrote in writing an ach revocation on my bank account to cash express. On XX/XX/XXXX they pulled the money out anyway after I sent in the revocation. There is no way I can speak to someone other than the people that work at that location about it and was told that I have to come in and turn off the ach. I made it very clear in writing per the contract specifically said to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a Capital One account showing on my credit report as closed. This is inaccurate information and is affecting my lively hood. I have also missed out on a job opportunity because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MA
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:
Im experiencing the credit bureau companies unfairly reporting by mostly posting negative feedback and never mentioning positive feedback, ALL my personal info is either incorrect outdated, or missing. Theres loans and accounts that Ive successfully paid missing and accounts that were fixed continues to remain affecting my score. Ive recently noticed a collection account that is completely strange to me, i dispute it by explaining that I dont recognize account and I have no pending debt I have everything paid that took place on those Service dates in fact the company that medical transportation isnt the same as the report and service date is wrong and the balance due is also wrong so Im complaining here because no one is helping me update my info nor has anyone actually confirmed that its the right account, please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has attempted to overdraw an account twice that isn't supposed to be capable of being overdrawn. This has been the set standard since the account was created. The first time was XX/XX/XXXX now its happened again on the XXXX of XXXX. I wrote to their online chat and informed the other person on the account. The first overdraw was XXXX $ and the second was XXXX XXXX At the same they've changed my privacy policy, but then did not change my privacy policy. It also sort of looks like the Government may be involved per the message I was sent. So for the privacy policy they sent me a link that took me to a site that attempted to load for hours. Then after clicking it a few more times it takes me through the app to some of the privacy settings they just told me in their updated policies I no longer have the option to change.They also decided to randomly get rid of all my quickpay information. It's not just this company either I have issues with others as well, but I digress Chase is the main problem here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacts and harrass family members and employers. The debt has been written off by the initial creditors and this new company Diversified Consultants is trying to collect. Their phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A third party debt collector, IQ Data, was contracted by my old apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX, to collect a valid debt. I already paid the debt, directly to XXXX XXXX XXXX, and informed the caller of this. She demanded proof, and I said I'd be happy to forward a copy of the front and back of the check which was deposited by XXXX XXXX XXXX. She insisted that proof would not be sufficient. She demanded my complete bank account statement. I told her no, she couldn't have my bank statement, but could have a copy of the front and back of the statement. She then proceeded to insult me, call me " irresponsible '' and a " deadbeat '' ( bear in mind this is *after* I told her I'd paid the debt ). I ignored the insults, and asked her what proof would be sufficient. She again repeated that only a complete bank account would suffice. I told her, again, that I don't send my bank account to strangers, so surely there must be some other way of proving that the debt is paid, in addition to the aforementioned canceled check. She went ballistic, started screaming, continued insulting me, and I disconnected the call. This happened XX/XX/2020, at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
My name is XXXX XXXXXXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, SPS received a complete financial package for a loan modification review. See attached proof thereof. Today is XX/XX/2021, and the lenders has yet to respond or even acknowledge our request. We are eligible for a loan mod under the standard loan modification. The current rate on the note is XXXX  %, the market rate is lower. The lender can provide a loan modification under the standard loan mod by adjusting or deferring some of the principal and applying makert rate which is a lot lower tham XXXX %. The reason we have yet to be approve is due to sps Unfair business Practices in connection with the loan mod. As it turns out, when calculating our monthly income, sps would falsely entered no income on their computer system so that it would trigger a denial. It's the oldest trick in the world when it comes to lending practices and this action is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America claims that charge ZERO currency conversion fees when charging in a different currency, while traveling abroad. I just returned from XXXX. While I was there the exchange rate ranged from XXXX - XXXX. And since my return, the exchange rate has always been above XXXX. When doing the conversions on my charges, I noticed that BofA only converted to USD at a rate of XXXX. This is basically FRAUD. 

Dates : Between XX/XX/XXXX-XX/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 explanation