BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency told me if I paid XXXX this would resolve my XXXX  account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After filing first complaint. Received voicemail from Chase bank executive office stating that the bank sent out letter sometime around XX/XX/XXXXand did not receive response from me before the end of XX/XX/XXXX. So therefore my dispute became not valid and such. Not sure where exactly the mail sent out to and plus, Chase insists that I have received the package by just listening to merchant side of stories and carrier information that simply states that I have received the product. Did I mentioned it Chase online banking system only notified me with generic message stating there is update or saying they are working on my dispute, but never asked me to provide additional information and they disabled that feature from my online banking system simply because it seems like they don't want to deal with my issue. Does that sound fair to you? 

Purchased a product from online store and it was XXXX XXXX XXXX   and used Chase Marriott BONVoY credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX XXXX was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX XXXX was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am XXXX and unable to pay the loan. 
The loan has been charged off, but is still showing on my credit report as paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account XXXX XXXX is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or TransUnion just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by 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 2023-09-16
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting 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 XXXXXXXX XXXX XXXXXXXX, FL XXXX SS # XXXX dob - XX/XX/83 You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.

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 2018-04-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo Bank informing me that a recent direct deposit from my XXXX XXXX XXXX account has been returned unpaid. I was charged a return deposit item fee of {$12.00} that would reflect in the coming days. I called Wells Fargo and spoke with a banker about why I am being charged for the other party 's insufficient funds. The banker agreed that this a very poor policy but said she was unable to stop the pending fee. I was told to call back after the fee posted and to discuss with Wells Fargo about refunding the fee after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened my JCP credit card with {$5500.00} credit line. My payments were between {$25.00} to XXXX XXXX monthly. I always gave JCP {$100.00} every month towards my credit card payment. Last year they had their XXXX stores removed. During XXXX on The months of XXXX, XXXX and XXXX of XXXX I made purchases at XXXX and also made my monthly payment with the XXXX cashier as I was permitted to make XXXX purchases with my JCP credit card and also I thought make payments. Several of my payments were not recorded on my account! I made multiple payments, JCP fraudulently prevents consumers from viewing the cash payments made in the store! It takes up to XXXX business days to reflect! That is one of the problems! Another is I encountered was the customer service reps in their 1800 phone number saying they see the payment but will take some time for the payment to come off the balance! Shortly after I realized my payments were not on my Statement then after disputing with JCP Customer Service then claimed an internal investigation would take place I also called the Store in XXXX Ca. Filed a complaint! I was told JCP was removing all their XXXX XXXX from JCP still my payments were never found I was given the run around and told I should have called the JCP credit card bank that issued my credit! I thought I had been calling them the whole time! I have been fraudulently deceived as JCP stole additional payments through there XXXX XXXX as I also tend to make a cash payment when making a purchase and On XX/XX/XXXX I made my normal {$100.00} through the store to find out my interests rate had Sky rocketed and my minimum payment was now over XXXX XXXX monthly! They flagged my account although I never missed a payment And decreased my credit line to XXXX /and charged me a late fee ; that has since been credited back But did not adjust the inflated interest rate to top off I was being charged XXXX XXXX  monthly in interest And also the JCP Credit Card app the force you to use is useless as you can not view payments instantly nor transactions only statements that do not upload until statement date! I have been a victim of fraud by JCP would them investigated!

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 2021-05-04
Company: EQUIFAX, INC.
State: MD
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have just been issued an order to leave my property in  two  weeks to  ten  days.   XXXX   XXXX   XXXX     dropped my loan in   XXXX   XXXX   XXXX     without cause. I continued to pay my mortgage once they found the account in  XXXX . In    XXXX   XXXX   XXXX  ,  they refused to account my payments to the mortgage through   XXXX   XXXX   XXXX  . By    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX    r emoved for a new mortgage lender NationStar that refused my information ( personal and property ) for not being conducive to what   XXXX   XXXX   XXXX    h ad sent them in the sale. I have been under ID Fraud and  Credit Fraud s ince    XXXX   XXXX   XXXX    ( documented and proven at     XXXX   XXXX   major credit reporting agencies on background and credit and account fraud affects ... starting with my primary bank account at  XXXX   XXXX  ). Nationstar was adding to this problem. I have an HOA that tried to move a Foreclosure in    XXXX   XXXX   XXXX   for l ess than  XXXX  owed.  Nationstar  tried to collect back debt for   XXXX   XXXX   XXXX     and    XXXX   XXXX   XXXX    d enied that they were.  Nationstar  moved a Foreclosure for   XXXX   XXXX   XXXX   ,  was removed and moved another one on their own against myself and the HOA.  The County  Commissioner finally held a sale and put my house under    XXXX   XXXX   , no one has room for recovery under ID Fraud and Theft, including   XXXX   XXXX   denied me Unemployment last year as  a    XXXX    XXXX   XXXX   XXXX   XXXX   that worked mainly out of state in  XXXX  ( also remotely ) in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX XXXX  XXXX****, XXXX XXXX****,  XXXX XXXX****, The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PenFed mortgage is not reporting mortgage payments made to credit bureaus. It claims that they were in the process of converting to another platform and had technical issues. I have since been locked out of my online account access and have called several times to rectify. I am now in the process of a mortgage refinance and the payments made to Pended during their conversation period are not appearing on my credit reports. On my final and most recent call, I was told that the payments not appearing would be rectified. I have yet to see that effective on any of my credit reports. This has hindered my ability to seek credit and establish any new loans.

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 2020-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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: Experian Information Solutions Inc.
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:
Bankruptcy in XXXX. Since then I have rebuilt my credit to good status with XXXX and XXXX. Experian however keeps dropping their score because I refuse to buy their products. They have my points and fica much lower then the other 2 credit bureaus. Before I lost my job in XXXX I had XXXX score. Since then I have never missed or made a late payment and have paid everything in full yet Experian keeps dropping points but yet manages to offer me more credit card suggestions. Predators!

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 2023-09-06
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
- XX/XX/XXXX : Move Out agreement and early termination of lease was granted by lessor XXXX XXXX XXXX XXXX in XXXX Al. ) XXXX XX/XX/XXXX -- Letter to request " Validation '' of debt that has fallen under my name. 
- On XX/XX/XXXX -- A letter was received from Rent Recovery Solutions using an expired lease from XXXX XXXX XXXX, which was terminated prematurely by finding a Subleasor to take over remaining lease term from XX/XX/XXXX -- XX/XX/XXXX ; Move out agreement was signed on XX/XX/XXXX and given to XXXX XXXX XXXX in XXXX, AL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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 2017-09-17
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX- I contacted XXXX Citi and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for HURRICANE IRMA relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a IRMA hurricane victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} Hurricane relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted CITI BANK XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 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 2018-04-26
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:
>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my 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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I am having multiple problems with Transunion that I want fixed so I can pursue a new student loan. 

1 ) An incorrect collection is being listed on my report from XXXX XXXX XXXX. XXXX wrote Transunion asking for it to be deleted, Transunion has not deleted this tradeline. 

2 ) a XXXX credit card account from 2011 is being listed twice - one incorrectly with a 60 day late. Not only is this past the DOFD, but XXXX XXXX has acknowledged that they do not recognize that account. It has not been deleted. 

3 ) Transunion has locked me out of online disputes. They said to call them to reopen it. I called an agent at Transunion a few weeks ago who refused to unlock my account. They are trying to keep me from filing disputes for inaccurate information on my 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