BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Experian Information Solutions 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:
I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX/NA ( acd # 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  and XXXX XXXX XXXX. I reached out to my local XXXX and 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : JMCB CARD XXXXXXXX XXXX XXXX. 
XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on the Title as Lien Holder. This was XXXX of 2017. I asked the costumer service representative why I was not notified of this. She said that she needed to verify my personal information. Evidently, when I filled out the application my name was already in their system and Wells Fargo pulled my old information from their system and put it as my current information. I was never notified that there was a problem with the Title. I also found out that the percentage rate was changed from 12 % which was extremely high already to 17.99 %. In my paperwork it states the dealer, XXXX XXXX will complete title transfer and registration of ownership to the above names, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and Register the lien holder on the title as Wells Fargo Bank. Apparently none of this was done. I had no idea until I called to pay off the loan. I would have taken care of this if I knew that this problem existed ... I have called Wells Fargo since XX/XX/XXXX trying to get some answers. I have left multiple messages, been assigned to multiple supervisors, who have never contacted me by phone only by mail, stating basically, it 's not there problem!! I have tried to get answers and no one will help me. I spoke to my attorney and she said to stop paying the payment and if that does n't get their attention then contact the Attorney General. I have paid {$8400.00} on the loan for XXXX. they say I owe {$9400.00}. I feel {$5000.00} is a fair number to pay them. They have ignored my calls for the last 6 months. They basically will not acknowledge that they did anything wrong. That it 's my problem that they did n't do their part to secure this car loan. I hope there is some way that you can help me. I have hard copies of documents if you need me to send them to you. I am unable to attach them by my computer. Thank you. XXXX Here are some of the names that were assigned to my account. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ... Thank you

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 2021-02-18
Company: EQUIFAX, INC.
State: AR
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:
THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ALL HARD 10 ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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 have 8 hard inquiries thats I did not authorized XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On Experian acct # XXXX shows no payment history, only charge-off history.Open date XX/XX/XXXX, last updated XX/XX/XXXX, charged-off XXXX with last payment dated XX/XX/XXXX. XXXX shows last payment dated XX/XX/XXXX and a close date of XX/XX/XXXX with no payment history. XXXX shows only the only a open date XX/XX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.

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 2021-03-25
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 23 times a charge off on one account. How can any single account be charged off 23 times? Then a negative mark reported after all 23 charge off remarks. This is erroneous reporting of information. A negative of ( 2 ) 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 2 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. This account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: LOAN TO LEARN
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Loan To Learn, an EduCap Inc company, is reporting inaccurate information to XXXX. I have disputed this account 6 times with XXXX ( 5 denied, 1 ongoing ). When I reached out to XXXX to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results provide a VA address and a disconnected XXXX phone number. 

After sending a certified letter to the address provided, I was finally able to reach Loan to Learn and started email correspondence with XXXX. I was referred to a 3rd party collection group when I asked for account ownership verification ( a certified letter was also sent to the group that has not responded ). During the correspondence, I learned that Loan To Learn transferred their loans to XXXX XXXX XXXX who sold the account to XXXX XXXX XXXX. After advising that Loan To Learn is violating FCRA policies by not verify account ownership, reporting false account details, re-aging old debt as new, sending info for debt greater than 7yrs, I was again referred to the 3rd party collection group. 

All email conversations, records of certified letters/responses, results from a third party credit reporting agency ( XXXX XXXX ), have been sent to Equifax also with a fraud alert being placed with the CRAs and FTC. Below are the account details : Lender : Loan To Learn Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX XXXX   Status : Collection Account as of XX/XX/XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account : XXXX Amount : {$40000.00} Equifax Stats XXXX N/A - Equifax has XXXX knowledge of XXXX. They thought Loan To Learn was the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my 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 2018-01-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed  because they were never authorized to look at my credit by 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 2018-01-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: JPMORGAN CHASE & CO.
State: FL
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 Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX  ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Public record information inaccurate

Complaint:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX of California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Public record information inaccurate

Complaint:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XXXX XX/XX/XXXXand the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, 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 2018-01-17
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: Public record information inaccurate

Complaint:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Home Depot credit card to take advantage of the 0 % interest rate promotion on balances for 6 months. I received an interest charge in my first bill and was told that anything under {$300.00} is not part of the promotional rate.

Company response to consumer: Closed with monetary relief